PINJAMAN MIKRO BAGI USAHAWAN KREATIF (PMUK)

             CREATIVE INDUSTRY MICRO-FINANCING FOR CREATIVE ENTREPRENEUR (CMCE)

Pinjaman Mikro bagi Usahawan Kreatif (“PMUK”) adalah satu inisiatif disasarkan kepada entiti Milikan Tunggal/ Perkongsian/ Syarikat Sendirian Berhad yang terlibat di dalam industri kreatif yang terkesan akibat pandemik COVID-19 dan ingin memulihkan semula perniagaan mereka.

Creative Industry Micro-Financing for Creative Entrepreneur (“CMCE”) is an initiative targeted towards creative Sole Proprietorship/ Partnership/ Incorporated Company (Sendirian Berhad) that have been affected by the COVID-19 pandemic, seeking to revive their businesses and facilitate continuity within the local creative industry ecosystem.

  • APAKAH YANG DIMAKSUDKAN DENGAN PINJAMAN MIKRO BAGI USAHAWAN KREATIF?
    WHAT IS CREATIVE INDUSTRY MICRO-FINANCING FOR CREATIVE ENTREPRENEUR?

    Pinjaman Mikro bagi Usahawan Kreatif (“PMUK”) adalah satu inisiatif disasarkan kepada entiti Milikan Tunggal/ Perkongsian/ Syarikat Sendirian Berhad yang terlibat di dalam industri kreatif yang terkesan akibat pandemik COVID-19 dan ingin memulihkan semula perniagaan mereka.

     

    Creative Industry Micro-Financing for Creative Entrepreneur (“CMCE”) is an initiative targeted towards creative Sole Proprietorship/ Partnership/ Incorporated Company (Sendirian Berhad) that have been affected by the COVID-19 pandemic, seeking to revive their businesses and facilitate continuity within the local creative industry ecosystem.

  • TUJUAN PINJAMAN
    PURPOSE

    Keperluan modal kerja, perbelanjaan operasi meliputi sewaan dan penggajian pekerja, aktiviti pemasaran & promosi serta pembangunan saluran jualan dalam talian.

     

    Working capital requirement, operating expenses rental and staff salary, marketing & promotion and development of on-line/digital sales channel.

  • KELAYAKAN
    ELIGIBILITY

    • Perniagaan  mikro sedia ada di dalam industri kreatif yang terkesan akibat pandemik COVID-19
    • Entiti Milikan Tunggal / Perkongsian / Syarikat Sdn. Bhd. dengan pendapatan kurang dari RM1.0 juta dan/atau beroperasi lebih dari enam (6) bulan.
    • Minima 51% pemilikan perniagaan oleh warganegara Malaysia
    • Rekod prestasi perniagaan yang memuaskan
    • Rekod CCRIS/CTOS perniagaaan dan pemilik perniagaan yang memuaskan
    • Menyertakan pelan pemulihan perniagaan

    Jika operasi perniagaan kurang daripada 6 bulan, syarikat perlu memberikan justifikasi kukuh dan rancangan perniagaan yang lengkap untuk permohonan diterima oleh pihak MyCreative Ventures

     

    • Ongoing creative industry micro businesses that are affected by the COVID-19 pandemic
    • A Sole Proprietorship / Partnership / Sdn. Bhd. company with revenue of less than RM1.0M and/or in operation of more than six (6) months.
    • A minimum of 51% Malaysian shareholding
    • Satisfactory business/production track record
    • Reasonable CCRIS and CTOS record on business and directors
    • Submission of business recovery plan.

    If the operations of the company is less than 6 months, then the company will need to provide strong justification and comprehensive business proposal of its request that is satisfactory to MyCreative Ventures.

  • TERMA-TERMA UTAMA UNTUK PINJAMAN MIKRO BAGI INDUSTRI KREATIF
    SALIENT TERMS OF CREATIVE INDUSTRY MICRO-FINANCING FOR CREATIVE ENTREPRENEUR

    • Had pinjaman adalah dari RM50,000 – RM150,000
    • Instrumen pinjaman adalah dalam bentuk pinjaman berjangka
    • Tempoh pinjaman adalah sehingga lapan puluh empat (84) bulan
    • Kadar faedah adalah 3.5% setahun
    • Pembayaran balik pinjaman adalah secara ansuran bulanan tetap ataupun ansuran bulanan berperingkat

     

    • Loan amount from RM50,000 – RM150,000
    • Loan instrument in the form of Term Loan
    • Tenor of up to eighty four (84) months
    • Interest rate at 3.5% per annum
    • Repayment of fixed monthly instalment or multi-tier monthly instalment

  • CAGARAN
    COLLATERAL

    • Perjanjian Fasiliti
    • Jaminan “Joint and Several”
    • Debentur
    • Insurans “Keyman” (untuk perniagaan Milikan Tunggal/ Perkongsian)

     

    • Facility Agreement
    • Joint and Several Guarantee
    • Debenture
    • Keyman Insurance (For Sole Proprietorship/Partnership) 

  • PENYERAHAN PERMOHONAN
    SUBMISSION

    Pemohon boleh membuat temujanji dengan pegawai pelaburan kami untuk menyerahkan borang permohonan yang lengkap bersama dokumen-dokumen diperlukan di pejabat MyCreative Ventures.

    Pemohon boleh juga menghantar permohonan dan dokumen-dokumen diperlukan secara dalam talian melalui laman sesawang MyCreative Ventures di penjana.mycreative.com.my

     

    Kindly make an appointment to submit the completed application form and all the required documents physically to MyCreative Ventures office.

    Applicants may also submit their application online along with all the required documents through MyCreative Ventures website penjana.mycreative.com.my

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    BOOK YOUR APPOINTMENT TODAY

    Pemohon boleh membuat temujanji dengan pegawai pelaburan kami untuk menyerahkan borang permohonan yang lengkap bersama dokumen-dokumen diperlukan di pejabat MyCreative Ventures.

     

    Kindly make an appointment to submit the completed application form and all the required documents physically to MyCreative Ventures office.

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