Pembiayaan Perniagaan MARA

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Prosper PUNB

Skim PROSPER Runcit

1)Pakej Keusahawanan PROSPER Runcit Terdapat 2 jenis pakej pembiayaan bagi PROSPER Runcit iaitu, A) Pakej Perkongsian Perniagaan B) Pakej Pinjaman & Perkhidmatan A) Pakej Perkongsian Perniagaan Melalui pakej ini, anda boleh mendapat pembiayaan kewangan sehingga RM 1 juta dengan dua cara: • Pembiayaan Ekuiti Di bawah pakej ini, PUNB menyediakan pembiayaan ekuiti sehingga 10% daripada keseluruhan kos projek berlandaskan prinsip Syari'ah, Musyarakah Mutanaqisah, iaitu perkongsian ke arah pengurangan pemilikan dalam syarikat usahawan. • Kemudahan Pinjaman Baki kos projek sehingga maksimum 80% akan dibiayai melalui pinjaman yang berlandaskan prinsip Syari'ah. B. Pakej Pinjaman & Perkhidmatan • Kemudahan Pinjaman PUNB menawarkan pinjaman yang berlandaskan prinsip Syari'ah Qard Al-Hasan, dimana peminjam perlu membayar balik wang pokok secara ansuran mengikut jadual pembayaran yang di tetapkan. Pakej ini menyediakan pinjaman sehingga 90% dari kesuluruhan kos projek yang tidak melebihi RM200,000. • Perkhidmatan Perniagaan Selain dari memberi kemudahan pembiayaan kepada usahawan Bumiputera, pakej ini juga menyediakan perkhidmatan perniagaan untuk khidmat pra-operasi perniagaan, pemantauan akaun, khidmat nasihat perniagaan dan latihan.Perkhidmatan-perkhidmatan ini di kenakan bayaran bulanan yang berpatutan kepada usahawan. 2) Khidmat Kenalpasti Premis Perniagaan Usahawan dengan bantuan TPPT Sdn Bhd (syarikat hartanah kelolaan Bank Negara Malaysia) akan mengenalpasti lokasi premis yang sesuai dan strategik.Jika sesuai dan premis ditawar untuk jualan, TPPT boleh membeli premis tersebut dan menyewakannya kepada usahawan pada separuh kadar sewaan semasa untuk tempoh tiga (3) tahun. Usahawan boleh membeli premis tersebut dari TPPT apabila perniagaan mereka sudah stabil. 3) Bantuan Membangun Kemahiran Keusahawanan Kami menyediakan kursus-kursus untuk membangun kemahiran usahawan bagi memacu kesedaran tentang perniagaan, motivasi keusahawanan, pembangunan pengurusan, kemahiran memantau operasi dan tadbir urus korporat. 4) Pengurusan Perakaunan Kami juga menyediakan perkhidmatan pengurusan perakaunan dan aliran tunai melalui panel firma-firma akauntan Bumiputera yang dilantik. Bidang Perniagaan PROSPER Runcit menawarkan peluang perniagaan runcit dalam bidang-bidang seperti berikut: Kedai Runcit / Pasar Mini Kedai Elektrik & Elektronik Kedai Cermin Mata / Jam Kedai Gambar / Cendermata / Bunga Kedai Dobi Penjualan Makanan (termasuk bakeri) Kedai Peralatan Komputer / Telekomunikasi & IT Kedai Buku / Alat Tulis Kedai Tekstil & Pakaian / Barang Kemas / Aksesori Wanita Farmasi Peralatan Sukan & Rekreasi Pusat Perabot / Perhiasan Rumah Pembekal Bahan Binaan Pengusaha Stesen Minyak Pengedar / Bengkel Baik Pulih Kenderaan Klinik Perubatan / Gigi / Mata, Firma Arkitek dan lain lain firma profesional yang diiktiraf oleh kerajaan * Lain lain perniagaan yang sesuai Nota: * Pembiayaan untuk profesional hanya melalui Pakej Pinjaman & Perkhidmatan Syarat Kelayakan Usahawan Bumiputera Berumur 18 tahun ke atas Mempunyai ciri - ciri keusahawanan unggul seperti kejujuran, keyakinan diri, berdaya tahan, berfikiran positif, kreatif dan disiplin diri yang tinggi Sanggup mengikuti kursus - kursus yang dikenal pasti Tiada rekod yang kurang memuaskan dengan institusi kewangan Sanggup bekerja sepenuh masa Membiayai sekurang - kurangnya 10% daripada jumlah kos projek Perniagaan Bidang peruncitan Perniagaan 100% milik Bumiputra Perniagaan yang berdaya maju dengan pembiayaan tidak melebihi RM 1 juta Perniagaan yang tidak mengambil cagaran ke atas sebahagian aset syarikat Lokasi perniagan telah dikenal pasti Proses Permohonan Proses pendaftaran dan kelulusan pembiayaan projek adalah seperti berikut; Cara Memohon Dapatkan borang pendaftaran secra percuma atau daftarlah secara talian terus (online) melalui laman portal ini. Borang yang diisi dengan lengkap perlu dihantar kepada: Sekretariat PROSPER PERBADANAN USAHAWAN NASIONAL BERHAD Tingkat 10, Blok 1B Plaza Sentral Jalan Stesen Sentral 5 Kuala Lumpur Sentral 50470 Kuala Lumpur atau Emel : prosper@punb.com.my

motivation on mind setting

BUSINESS DEVELOPEMENT

WE PROVIDE ENTREPRENEUR SEMINAR & TRAINING FOR;
UNIVERSITY GRADUATE,
NEW BUSINESSMAN,
ENTREPRENEUR,
SCHOOLERS,
LECTURERS & THOSE WHO INTERESTED IN BUSINESS MANAGEMENT TOPIC.

Marvelous Point

Marvelous Point is located at southern of peninsular of Malaysia. The state of Johor lies at the southern most part of Malaysia. This southern gateway to Malaysia covering an area of 19, 984 sq km, is the second largest state in West Malaysia. The history of early Johor is a chronicle of glory and prosperity during the days when gambir and black pepper was a thriving business.

To the Siamese, Johor is "Gangganu" or 'Treasured Stones'. It was also once known as the "End of the Land" as it occupies the tail portion of mainland Asia. Its present name, Johor, is derived from an Arabic word 'Jauhar' which means Precious Stones.

Johor Bahru has a number of interesting historical buildings and handicraft centers. Outside the state capital in the smaller towns and villages along the coast, are picturesque scenes of rural kampungs and fishing villages. Those who prefer to bask in the tropical sun can choose between the well-known beaches.


My Hometown

The historical town of Muar, located on the Muar River, is a favourite stopover for travellers of Johor Bahru-Kuala Lumpur as Muar provides beautiful sunsets The strategic location of Muar on the river helped on its economical growth as many years ago, Muar was once an important trading hub.

There are many different opinions to where the name 'Muar' is reputed from. Some say that the town was named after the name 'muara', which means river mouth. Another says that the name is derived from a the Hindu word for three, which is 'muna' and 'ar' which means river. Also it was said that the town was named after the three rivers, Muar River, Pahang RIver and Serting River.

Muar, which is also known as Bandar Maharani or Empress Town, has a striking resemblance to the town of Malacca, historically, culturally and geographically. The name was given by Sultan Abu Bakar in 1884.

Muar is famous for its 'Ghazal' music, which originated from Persia, and 'Kuda Kepan', a traditional dance where dancers sit astride mock horses according to the beat and rhythm of a percussion ensemble.

Visitors should not forget to try Muar's all famous "Mee Bandung Muar". Even looking at it is enough to get your stomach grumble for food immediately! Also recommended are the oysters here, scrambled with eggs and chives.

Take a stroll along Jalan Tanjung and you will see mosques, government buildings, and old colonial houses. Participate in our homestay tour packages and visit the Sarang Buaya village, Kesang Village, Pulau Penarik Village, and Ulu Pagoh village to truly understand the malay lifestyle and culture.

Marvelous Point

Marvelous Point is located at southern of peninsular of Malaysia. The state of Johor lies at the southern most part of Malaysia. This southern gateway to Malaysia covering an area of 19, 984 sq km, is the second largest state in West Malaysia. The history of early Johor is a chronicle of glory and prosperity during the days when gambir and black pepper was a thriving business.

To the Siamese, Johor is "Gangganu" or 'Treasured Stones'. It was also once known as the "End of the Land" as it occupies the tail portion of mainland Asia. Its present name, Johor, is derived from an Arabic word 'Jauhar' which means Precious Stones.

Johor Bahru has a number of interesting historical buildings and handicraft centers. Outside the state capital in the smaller towns and villages along the coast, are picturesque scenes of rural kampungs and fishing villages. Those who prefer to bask in the tropical sun can choose between the well-known beaches