For business. For growth. For life Vol. 19/2019 SME Bank MoU Signing Ceremony for ECRL Project Menyambut Wira SME Bank Orang Asli Terima Manfaat dalam Misi Zero2Hero Projek Perpustakaan Mini P.10 P.17 An agency under MINISTRY OF ENTREPRENEUR DEVELOPMENT EDITORIAL TEAM CONTENTS Issue 19/2019 ADVISOR Corporate Happenings Aria Putera Ismail 4 ScoreXcess Permudahkan Usahawan Executive Editor Mohon Pembiayaan Khairil Anuar Mohammad Anuar 5 BEP and ODELA Marked Significant Milestones for SME Bank Editor Abdul Latiff Puteh 3 SME Bank Inks MOUs with Business 6 Partners From the Desk of Contributors Group President/ Saripah Radziah Sayed Hamid 7 Program Tanggungjawab Korporat Norhisham Hamzah Chief Executive Officer 2019 Norsalwa Zakaria Rusydan Hamedy Norhamira Amir Sharippudin 10 Bendera SME Bank Berkibar di Nor Azimah Adam Everest Base Camp 12 Hari Keluarga SME Bank 2019 PHOTOGRAPHER Meriah Dengan Pelbagai Aktiviti Wan Badaru Sukry Wan Abdullah Menarik GRAPHIC DESIGNER 14 Karnival Sukan SME Bank Perkenal Rafiq Asyraf Razalli Piala Presiden Kumpulan Yang Baharu 16 “SME Bank A” Ranked Top Five Winners In The IUTBT Bowling Tournament 2019 Program Tanggungjawab Korporat (CSR) 17 350 Penduduk Orang Asli Terima Manfaat Projek Perpustakaan Mini PUBLISHED BY Issue of interest 20 Shared Prosperity Vision 2030 CEDAR Small Medium Enterprise Development Bank Malaysia Berhad (49572-H) Menara SME Bank, Jalan Sultan Ismail 22 7 Forces that Impact Businesses Tel: +603 2615 2020 Fax: +603 2698 1748 – Competitive Intelligence Team Contact Centre : +603-2603 7700 www.smebank.com.my An agency under the Ministry of Entrepreneur Development (MED) From the desk of CEO 3 From the desk of Group President/ Chief Executive Officer ASSALAMUALAIKUM WARAHMATULLAHIWABARAKATUH AND SALAM SEJAHTERA he end of December is already upon us informative e-commerce platform especially for and the dawn of the New Year 2020 is fast business-to-business (B2B) activities was launched approaching. In retrospect, 2019 has been an on 3 December 2019. Both ScoreXcess and Odela exciting and eventful year for the Bank. We was launched by YB Datuk Seri Mohd Redzuan Yusof, Thave achieved many targets and among the most Minister of Entrepreneur Development. notable is the Bank’s Digital Transformation plan that have been partly executed and we are beginning to These digital initiatives are in line with the vision see the results. of the National Entrepreneurship Policy 2030 (DKN2030) which aims to make Malaysia a leading In the last quarter of 2019 saw the Bank inked entrepreneurial nation and at the same time achieve another two MOUs with the aim to strengthen its the Shared Prosperity Vision 2030 goals. marketing base and promote its product offerings. In October 2019, SME Bank signed the MOU with Strengthening the bond and camaraderie amongst Celcom and another MOU between SME Bank, staff continues to be the focus for us throughout China Communications Construction Sdn. Bhd. and 2019. The highlight was the family day held at the Malaysia Rail Link Sdn. Bhd. was signed in November Grand Lexis, Port Dickson on 30 November to 1 2019. These initiatives are testimonies to SME Bank’s December 2019. Almost 2,000 combining staff and efforts in offering the best financing solutions and family members took part in the fun filled activities. beyond financing programmes to our Malaysian On 7 December 2019, the Bank held a Sports SMEs. Carnival at Sentosa Sports Arena with more than 760 participation from the staff. In our effort to remain as the leading DFI serving the SME sector in Malaysia as well as to embrace All the efforts undertaken in 2019 will be the basis for the Industrial Revolution (IR) 4.0 in its business us to enter into 2020 with a renewed commitment operations, SME Bank has been given the in nurturing and developing the country’s SMEs. responsibility by the Government to lead the digital Lastly, I would like to take this opportunity to wish initiatives of the National SME Digital Platform. In everyone a Happy New Year and may 2020 brings this note, ScoreXcess, a dedicated digital platform more success and prosperity for all of us. that acts as a one stop portal for small and micro enterprises to obtain financing from the relevant Thank you. government agencies that participated in this programme was launched on 30 September 2019 while ODELA, an e-commerce platform which act as the game changer in SME business landscape ARIA PUTERA ISMAIL by providing access to a more systematic and Group President / Chief Executive Officer 4 Corporate Happenings Permudahkan Usahawan Mohon Pembiayaan ME Bank telah melancarkan ScoreXcess Keupayaan ScoreXcess menganalisa secara yang merupakan satu portal bagi mengakses terperinci kedudukan kewangan pemohon akan permohonan pembiayaan berdasarkan mempercepatkan tempoh kelulusan dan seterusnya keperluan perniagaan khusus untuk memudahkan urusan permohonan pembiayaan Susahawan PKS. Majlis pelancaran ScoreXcess kepada usahawan. Pemohon juga akan dapat telah disempurnakan oleh Menteri Pembangunan mengetahui status permohonan secara langsung Usahawan, Datuk Seri Mohd Redzuan Yusof pada dan untuk pemohon yang tidak berjaya, mereka akan 30 September 2019 sempena perhimpunan bulanan dinilai semula untuk proses ‘capacity improvement’. MED di Putrajaya. ScoreXcess merupakan inisiatif pertama SME Bank ScoreXcess bertindak sebagai ‘one stop portal’ untuk di bawah program transformasi digital melalui anak usahawan mikro dan kecil memohon pembiayaan syarikat milik penuhnya iaitu Centre for Entrepreneur daripada agensi kerajaan yang terlibat. ScoreXcess Development and Research Sdn Bhd (CEDAR). yang merupakan satu daripada komponen utama Sehingga kini, terdapat lebih daripada 456 pengguna Platform Digital PKS Kebangsaan adalah kad skor telah berdaftar sebagai pengguna ScoreXcess. digital PKS dalam talian yang memudahkan usahawan untuk mengakses sumber pembiayaan daripada Antara agensi yang menggunakan platform ini pelbagai agensi pembiayaan. adalah Bank Rakyat, Permodalan Usahawan Nasional Berhad (PUNB) dan Perbadanan Nasional Berhad Selain menjadi rujukan agensi pembiayaan yang (PNS). SME Bank menjangkakan lebih banyak agensi terlibat, ScoreXcess turut menyediakan penilaian akan menggunakan ScoreXcess di masa hadapan. pemeriksaan pra-kelulusan (pre-screening approval assessment) yang standard merentasi agensi apabila Selain daripada ScoreXcess, Kumpulan SME Bank permohonan pembiayaan diterima melalui enjin akan turut memperkenalkan beberapa lagi inisiatif Kecerdasan Buatan (AI). ScoreXcess akan menilai berdasarkan teknologi digital yang akan membantu keupayaan pelanggan untuk membuat pembayaran golongan usahawan mikro dan kecil dengan lebih melalui penggunaan data alternatif. ScoreXcess berkesan. juga mampu membuat pengasingan permohonan pembiayaan di kalangan agensi kerajaan yang terlibat yang bersesuaian dengan jenis permohonan. Corporate Happenings 5 BEP and ODELA Marked Significant Milestones for SME Bank pproximately 500 SME entrepreneurs During the same event, SME Bank also launched attended the closing ceremony of Best ODELA which was developed in partnership with Exporters Programme (BEP) and the JNJ Group. This e-commerce platform aims to launched of SME Bank new business to have 8,000 merchants and buyers using ODELA in Abusiness (B2B) e-commerce platform, ODELA on 3 the first year. ODELA is one of the components in December 2019 held in Royale Chulan Hotel, Bukit the National SME Digital Platform that provides a Bintang, Kuala Lumpur. digital business platform that will change the way SMEs operate their businesses. ODELA taps on The three year BEP has generated an incremental new technologies and custom designed to enable export revenue of RM141.4 million, contributed by the entrepreneurs to make transaction, facilitate 73 participating companies out of the 50 targeted exchange, foster innovation and partnership across companies. SME Bank had also approved new vast ecosystems. financing worth RM87.8 million to 13 companies involved in the programme for working capital and The BEP closing ceremony and launching of purchase of assets. ODELA was officiated by Minister of Entrepreneur Development, YB Datuk Seri Mohd Redzuan Yusof and BEP is a collaboration between three agencies, witnessed by YB Datuk Wira Dr. Mohd Hatta Ramli, namely SME Bank, Unit Peneraju Bumiputera Deputy Minister of Entrepreneur Development and (Teraju) and Malaysia External Trade Development YBhg. Datuk Wan Suraya Wan Mohd Radzi, Secretary Corporation (Matrade). Going forward, the Ministry General, Ministry of Entrepreneur Development. of Entrepreneur Development (MED) will allocate RM5 million for BEP 2.0 which will begin in 2020. 6 Corporate Happenings SME Bank Inks MOUs with Business Partners SME Bank as the leading Development Financial Institution (DFI) serving the SME sector and an agency under the Ministry of Entrepreneur Development, inked three Memorandum of Understandings (MOUs) with business partners to complement SME Bank’s digital transformation agenda and enhance its product offerings. MOUs with CCC and MRL On 18 November 2019, SME Bank signed the MOUs with China Communications Construction Sdn. Bhd. (CCC-ECRL) and Malaysia Rail Link Sdn. Bhd. (MRL) to offer RM1 billion in financing specially for local contractors appointed for the civil works packages of the East Coast Rail Link (ECRL) Project. The MOU is to facilitate the financial solutions for them to accelerate the commencement of civil works of the 640-km rail infrastructure from Kota Bharu to Port Klang.