Untuk maklumat lanjut, sila hubungi:For further inquiries, please contact:Mana-mana Enterprise Centre/ Business Centre Any of our

Enterprise Centre/ Business Centre www.smebank.com.my/web/guest/branch Pelanggan yang dihormati, SME Bank tidak pernah melantik mana-mana agen, broker atau individu untuk menjalankan perniagaan bagi pihak kami. Sila hubungi Pusat Khidmat Pelanggan kami di talian berikut: Dear valued customer, SME Bank has never appointed any agent, broker or outside party to conduct business on our behalf. Please contact our Customer Service at:

Setelah menghadiri kursus, pemohon diminta mengemukakan 5 salinan Rancangan Perniagaan kepada pihak INSKEN.
After attending the course, applicants are required to submit five (5) copies of their Business Proposal to INSKEN.

Proses penilaian awal akan dianjurkan oleh pihak INSKEN dan pemohon diminta membuat pembentangan Rancangan Perniagaan. (Pemohon yang beroperasi di Sabah/ Sarawak diberikan pengecualian daripada menghadiri proses penilaian awal di INSKEN).
The screening process will be conducted by INSKEN and applicants are required to present their business proposal. (Applicants who operate in Sabah/ Sarawak are granted exemption from attending the screening process at INSKEN).

GRADUATE ENTREPRENEUR FUND (TUS) TABUNG USAHAWAN SISWAZAH (TUS)

For business. For growth. For life

Sekiranya Rancangan Perniagaan memenuhi syarat Dana, kertas cadangan Rancangan Perniagaan akan dimajukan kepada cawangan berdekatan projek.
If the business plan meets the requirements of the Fund, the proposal will be forwarded to the relevant SME Bank's branch.

Cawangan akan menilai permohonan dan memberi maklumbalas dalam tempoh terdekat.
SME Bank will evaluate the application and provide feedback.

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Saya ingin mengetahui dengan lebih lanjut mengenai

TABUNG USAHAWAN SISWAZAH (TUS) ENTREPRENEUR FUND (TUS)

I would like to know more about GRADUATE Nama/ Name: .............................................................. Emel/ Email: ................................................................ No. Tel/ Contact No.: ...................................................

Small Medium Enterprise Development Bank Malaysia Berhad 49572-H (Formerly known as Bank Perusahaan Kecil & Sederhana Malaysia Berhad) Menara SME Bank, Jalan Sultan Ismail Peti Surat 12352, 50774 Kuala Lumpur Tel: 03-26152020

www.smebank.com.my

TABUNG USAHAWAN SISWAZAH (TUS) GRADUATE ENTREPRENEUR FUND (TUS)

Kemudahan Kewangan Khusus Untuk Graduan/ TUS is a financial facility designed especially for graduates Kelayakan/ Eligibility
Kerajaan Malaysia menyalurkan peruntukan tambahan sebanyak RM25 juta di dalam Rancangan Malaysia ke-9 untuk Tabung Usahawan Siswazah [TUS]. Peruntukan tersebut bertujuan untuk menggalakkan lebih ramai lepasan Universiti menceburkan diri dalam bidang keusahawanan. SME Bank telah berjaya melahirkan para Usahawan Siswazah yang berjaya menambahkan pendapatan diri melalui perniagaan justeru meningkatkan enjin pertumbuhan negara. Dana ini merupakan pembiayaan mudah bagi memulakan perniagaan dalam sektor perkhidmatan dan perindustrian dan juga bagi para graduan yang mempunyai perniagaan sedia ada.
The Government has channeled an additional allocation of RM25 million through the 9 th Malaysia Plan for Graduate Entrepreneur Fund (TUS). The provisions is intended to encourage more university graduates to enter the field of entrepreneurship.SME Bank has managed to produce successful Graduate Entrepreneurs contributing to their respective personal income through the business thus improving the country's growth engine. The fund is a soft loan scheme for graduates to start a business in the services and industrial sector and for those who already have an existing business.

95% daripada jumlah kos projek bagi pembiayaan kurang dari RM100,000 dan 90% daripada jumlah kos projek bagi pembiayaan melebihi RM100,000.
Maximum financing may be granted up to 95% of the total project cost for the financing of less than RM100,000 and 90% of the total project cost for the financing of more than RM100,000.

Terbuka kepada warganegara Malaysia

Open to all Malaysian citizen

Sekurang-kurangnya memiliki Diploma yang diiktiraf MQA

Must at least hold a Diploma that is recognized by MQA

Firma perseorangan, perkongsian dan Sendirian Berhad boleh memohon TUS.

syarikat

Menamatkan pengajian tidak melebihi 15 tahun

Have graduated for not more than 15 years

Individual firms, partnerships and limited companies can apply for TUS.

Berumur tidak melebihi 40 tahun

Not more than 40 years old

Semua jenis perniagaan adalah dibenarkan kecuali pelaburan hartanah dan industri Primary Agriculture.
All types of businesses are allowed except for properties investment and Primary Agriculture industry.

Jaminan/ Guarantor
Tiada Penjamin/ No Guarantor is required for.

Bagi pembiayaan bangunan/ premis perniagaan.

Financing of business building / premises.

Cara Untuk Memohon Tabung Usahawan Siswazah/ How To Apply For TUS
Bagi pemohon yang telah berniaga dan beroperasi melebihi dua tahun tidak perlu menghadiri kursus anjuran INSKEN dan proses penilaian awal di INSKEN.
For applicants who are in business and exists in operation for more than two years, are exempted from attending courses conducted by INSKEN and screening process at INSKEN.

Untuk pembiayaan sehingga RM100,000.

For financing of up to RM100,000.

Penjamin/ Guarantor is needed

CiriCiri TUS/ TUS Features

Pembiayaan dari RM20,000 hingga RM500,000
The loan is available from RM20,000 to RM500,000

Bagi pembiayaan melebihi RM100,000, penjamin hanya menjamin sebanyak 20% daripada bahagian pembiayaan yang melebihi RM100,000 sahaja (pemilikan tunggal dan perkongsian).
For financing exceeding RM100,000; however the guarantor only guarantees 20% of the financing in excess of RM100,000 (sole proprietor and partnership firm).

Pemohon boleh mengemukakan Rancangan Perniagaan kepada cawangan SME Bank yang berhampiran dengan projek.
Applicants may submit their Business Plan to SME Bank's nearest branch.

Pembiayaan sehingga RM750,000 boleh diberi bagi pengambil-alihan syarikat sahaja (untuk pembiayaan aset tetap sahaja)
Financing up to a total RM750,000 can be given specifically for company acquisition (for fixed assets financing only).

Lain-Lain Maklumat TUS/ TUS Other Information

Tempoh maksimum pembiayaan TUS diberikan sehingga 10 tahun atau sehingga 20 tahun (untuk bangunan/ premis perniagaan sahaja).
TUS maximum financing period is up to 10 years; however financing period up to 20 years is given for buildings/ premises.

Bagi pemohon yang tiada pengalaman dalam perniagaan, pemohon diminta hadir kursus anjuran INSKEN.
Applicants who have no experience in business need to attend courses conducted by INSKEN.

Kadar keuntungan (tokokan) 4% setahun baki bulanan

The rate of profit (markup) is at 4% per annum on monthly rest.

Pendaftaran kursus boleh dibuat secara dalam talian www.insken.gov.my atau menghubungi INSKEN, Puan Arni/ Puan Nurashikin di talian: 03-88805162/ 5195/5171
Course registration can be made via online at www.insken.gov.my or by calling INSKEN, Ms. Arni/ Pn Nurashikin at 03-88805162 / 5195 / 5171.

Tempoh penangguhan juga boleh dipertimbangkan sehingga 48 bulan.

A grace period up to a maximum of 48 months may also be considered.

Pembiayaan maksimum boleh diberikan sehingga