APA PKS DAN PENIAGA KECIL DAPAT DLM BAJET 2010-2013


Banyak faedah yang telah dinikmati entrepreneur dan peniaga kecil. Kerajaan sgt prihatin 
PKS
PENIAGA KECIL
2010
·       Dana pinjaman dan geran berjumlah RM8.8 bilion untuk PKS ditawarkan oleh pelbagai agensi kewangan.

·       RM350 juta dana SME Corp. untuk pinjaman dan program pembangunan PKS.

·       Enam Tabung PKS oleh Bank Negara berjumlah RM13.4 bilion memanfaatkan 46,000 PKS.

·       Institusi kewangan perlu meluluskan pembiayaan mikro dalam purata 6 hari dan pengeluaran dalam purata 4 hari.

·       Bantuan lain PKS:
-      Membeli ruang niaga, menyediakan infrastruktur luar kawasan perindustrian dan menjalani Skim Kilang Bimbingan sebanyak RM57 juta menerusi SME Bank.
 
·       TEKUN - RM200 juta pembiayaan kewangan untuk peniaga kecil.
- Peniaga kecil India, pembiayaan RM20 juta (RM15 juta sebelumnya)

·       Peniaga kecil menikmati jaminan kewangan melalui perlindungan insurans dan takaful dengan bayaran premium serendah RM20 sebulan, manfaat perlindungan antara RM10,000 – RM20,000.
2012
·       Dana Pembiayaan PKS patuh syariah berjumlah RM2 bilion
- Disediakan oleh bank-bank Islam
- Kerajaan tanggung 2% daripada kadar keuntungan pembiayaan.

·       SME Revitalisation Fund RM100 juta oleh
SME Bank
- pinjaman mudah membangunkan semula perniagaan PKS yang gagal, had maksimum RM1 juta.

·       Dana Kecemasan PKS berjumlah RM10 juta
- Dalam bentuk geran dan pinjaman mudah
- Membantu PKS yang terlibat dengan bencana alam agar mereka mampu beroperasi semula dengan segera.

·       Dana Inovasi Pengkomersialan PKS berjumlah RM500 juta
-      Dana patuh syariah ditawarkan oleh Bank-bank Islam.
-      Kerajaan tanggung 2% kadar keuntungan.
·       TEKUN - RM300 juta pembiayaan untuk peniaga kecil.

·       Amanah Ikhtiar Malaysia menyediakan RM2.1 bilion pinjaman mudah terutama untuk usahawan wanita.
-  usahawan wanita kaum India dan Cina masing-masing diperuntukkan RM100 juta.
2013
·       Skim Pembangunan PKS sebanyak RM1 bilion
- Mempergiat PKS dikendalikan oleh SME Bank.

·       Dana Pembiayaan Bumiputera berjumlah RM1 bilion
-      disediakan SME Bank
-      mempertingkatkan pegangan ekuiti PKS Bumiputera dengan mengambil alih anak-anak syarikat GLC.

·       Skim Jaminan Modal Kerja – dana RM10 bilion
-      Bantu PKS akses pembiayaan modal kerja
-      Jaminan maksimum RM2.5 juta

·       Dana Industri Halal -  RM200 juta
-      Membangun produk halal berimpak tinggi untuk tujuan eksport.
-      Membiayai modal kerja.

·       Program Get Malaysian Business Online
-      Membantu 50 ribu usahawan terutamanya wanita
-      Menjalankan perniagaan atas talian
-      Geran RM1,000 diberikan.

·       Insentif pengecualian cukai pendapatan selama 3 tahun
-      pengusaha pelancongan yang mengusahakan sekurang-kurangnya 750 pelancong asing atau 1,500 pelancong tempatan.


·       Young Entrepreneur Fund peruntukan sebanyak RM50 juta oleh SME Bank
-      Usahawan belia berumur 30 tahun ke bawah.
·       Skim Perlindungan Insurans Berkelompok kepada penjaja dan peniaga kecil yang berdaftar dengan Suruhanjaya Syarikat Malaysia
- Peruntukan RM16 juta setahun.
- Had perlindungan sehingga RM5,000.

·       Program Business in Transformation oleh PNS.
-      Memodenkan perniagaan peniaga kecil guna model licensing atau franchising.
-      Pinjaman RM25 ribu  kepada licensee, RM500 ribu kepada licensor.

·       TEKUN - RM350 juta untuk usahawan kecil memula dan memajukan perniagaan.
-      RM50 juta Skim Pembangunan Usahawan Masyarakat India.

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