Source document: https://docs-lawep.s3.us-east-2.amazonaws.com/1698753547101.pdf (Malaysia)
PMKS MENUJU PEMULIHAN, KECEKALAN DAN PEMBAHARUAN MSME’s ROAD TO RECOVERY, RESILIENCE AND REFORM LAPORAN TAHUNAN 2021 A N N U A L R E P O R T PMKS MENUJU PEMULIHAN, KECEKALAN DAN PEMBAHARUAN MSME’s ROAD TO RECOVERY, RESILIENCE AND REFORM LAPORAN TAHUNAN 2021 A N N U A L R E P O R T RASIONAL REKA BENTUK Simbol anak panah adalah simbolik kepada kemajuan dan peningkatan yang selama ini telah dihasilkan oleh SME Corp. Malaysia dalam membantu perusahaan mikro, kecil dan sederhana (PMKS).
Pada tahun 2021, PMKS turut terjejas akibat daripada pandemik COVID-19.

Keadaan ini dapat digambarkan oleh kurungan merah – walaupun pandemik ini memberi kesan yang mendalam, namun PMKS terus berkembang dengan jayanya melalui bantuan yang disalurkan.

rumput di kedua-dua Kehijauan padang belah jalan melambangkan kejayaan di masa hadapan, jika kita terus tabah dan berdaya saing.

Peluang akan terbentang luas seperti jalan yang tidak berpenghujung.
DESIGN RATIONALE The arrow is a symbolic of the upward path that SME Corp. Malaysia has been maintaining over the years for the micro, small and medium enterprises (MSMEs).

In the year 2021, the progress and forward movement by our home-grown MSMEs was hampered by the aftermath of COVID-19 pandemic.

As illustrated in the red bracket – while we were curbed in our movement, we progressed, albeit slowly.

There was always movement forward as the industries were assisted to adapt and adopt.
The green on both sides of the road would symbolise the green pastures ahead only if we were resilient and persevere.

Then the possibilities are endless just like the never ending road.

LAPORAN TAHUNAN 2021 2 FALSAFAH KORPORAT Lambang tiga garisan seperti anak panah menunjukkan kesinambungan peranan SME Corp. Malaysia dalam menyokong dan membangunkan PMKS.
Garisan seperti anak panah yang bergerak ke atas, menggambarkan SME Corp. Malaysia sebagai sebuah entiti yang dinamik, berpandangan ke hadapan dan berjaya.

Warna biru kehijauan, kelabu dan merah lembayung memaparkan sebuah organisasi yang moden, inovatif dan dinamik.

Perkataan ‘SME Corp. Malaysia’ menggunakan fon italik sebagai simbol progresif dan berfikiran maju ke hadapan.

VISI MISI Organisasi utama menerajui pembangunan PMKS yang progresif bagi meningkatkan kemakmuran dan kesejahteraan negara.
Menggalakkan pembangunan PMKS yang berdaya saing, berinovasi serta berdaya tahan melalui penyelarasan dan penyediaan khidmat sokongan perniagaan yang berkesan.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 KANDUNGAN MESEJ PENGERUSI MESEJ KETUA PEGAWAI EKSEKUTIF MAKLUMAT KORPORAT • SME Corporation Malaysia • Tadbir Urus Korporat • Struktur Organisasi • Maklumat Mengenai Anggota Perbadanan • Pengurusan Tertinggi dan Kanan • Pejabat Negeri PROGRAM DAN INISIATIF TERAS • Penarafan dan Akreditasi PKS • Pembangunan Kapasiti dan Keupayaan • Akses kepada Pembiayaan • Akses kepada Pasaran • Teknologi dan Inovasi • Program Pembangunan Usahawan Bumiputera • Program Pembangunan Perusahaan Mikro • Program dan Inisiatif Capaian • Kerjasama Antarabangsa KISAH KEJAYAAN PENILAIAN HASIL PROGRAM PEMBANGUNAN PMKS OLEH SME CORP. MALAYSIA DI BAWAH RMKe-11 PENCAPAIAN PROGRAM PEMBANGUNAN UTAMA BAGI TAHUN 2021 LAPORAN KEWANGAN 3 4 6 8 34 81 86 88 90 4 PERUTUSAN PENGERUSI Secara global, Perusahaan Mikro, Kecil dan Sederhana (PMKS) adalah tulang belakang serta teras pertumbuhan sebuah negara membangun.
Sebanyak 97.4% perusahaan di Malaysia adalah PMKS dan merupakan penyumbang utama kemajuan negara.

Namun begitu, PMKS juga mempunyai kekurangan di samping potensi yang tinggi dalam ekonomi, yang mana ianya dapat disaksikan apabila COVID-19 melanda landskap ekonomi Malaysia.
PMKS merupakan elemen penting untuk kemajuan ekonomi negara ini dan sudah pasti akan muncul hari yang lebih cerah jika berusaha bersungguh-sungguh dan menerima transformasi yang perlu sekiranya ingin berkembang maju semula….Insya-Allah kita pasti akan berjaya melakukannya.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PERUTUSAN PENGERUSI 5 Meskipun tahun 2020 mencatat sejarah sebagai tahun paling mencabar yang pernah dialami seluruh dunia dalam tempoh 100 tahun, namun pada tahun ini, setelah Negara beralih ke Fasa 4 Pelan Pemulihan Nasional (NRP) dan sekatan perjalanan yang ditarik semula, tahun 2021 telah menjadi permulaan bukan sahaja bagi pembinaan serta pemulihan perniagaan, malah memberi peluang kepada syarikat untuk meneliti dan menetapkan semula perniagaan mereka.
tahan, cekap serta kemampuan Sifat berdaya menyesuaikan diri dalam persekitaran norma baharu merupakan perkara yang penting dalam meneruskan kelangsungan PMKS.

Justeru itu, peranan SME Corp. Malaysia juga dilihat signifikan melalui halatuju yang jelas.

Pandemik COVID-19 telah memaksa usahawan untuk menyedari dan menghadapi beberapa ketidakcukupan dalam ekosistem PMKS yang mungkin tidak timbul sebelum ini.
Sebagai agensi yang telah diberikan mandat untuk menerajui pemulihan dan pengukuhan pembangunan PMKS, perkara ini dilihat sebagai peluang untuk mengkaji semula prasarana sokongan sedia ada dan mengubah landskap PMKS agar menjadikan mereka lebih bersedia di masa hadapan.

SME Corp. Malaysia amat komited bagi mengutamakan persediaan masa depan PMKS melalui keupayaan untuk mengadaptasikan diri dengan teknologi automasi, transformasi digital dan inovasi.
Bagi tujuan ini, SME Corp. Malaysia akan terus menyokong PMKS dalam hala tuju masing-masing melalui kerjasama dengan pelbagai agensi, pelaburan yang memberikan akses kepada program pendigitalan dan automasi, selain dari menyediakan bantuan pembiayaan.

Walaupun kejayaan jangka pendek telah terbukti melalui bantuan pembiayaan, pemulihan jangka panjang yang mampan bergantung kepada transformasi PMKS sendiri.
Kita masih belum sepenuhnya keluar daripada kemelut pandemik ini; meskipun ramai usahawan yang masih di dalam proses pemulihan tetapi terdapat juga usahawan yang masih bergelut untuk mengekalkan pertumbuhan dan menghadapi masa depan yang rapuh.

Prestasi PMKS menunjukkan masa depan yang memberangsangkan seperti yang dapat dilihat dalam pertumbuhan Keluaran Dalam Negara Kasar (KDNK) sebanyak 1.0% berbanding dengan pertumbuhan negatif 7.3% (-7.3%) pada tahun 2020.
PMKS merupakan elemen penting untuk kemajuan ekonomi negara ini dan sudah pasti akan muncul hari yang lebih cerah jika berusaha bersungguh-sungguh dan menerima transformasi yang perlu sekiranya ingin berkembang maju semula….Insya-Allah kita pasti akan berjaya melakukannya.

Saya ingin merakamkan setinggi-tinggi penghargaan kepada semua pihak berkepentingan dalam SME Corp. Malaysia di atas sokongan dan sumbangan yang diberikan.
Ucapan terima kasih juga saya tujukan kepada Kementerian Pembangunan Usahawan dan Koperasi (KUSKOP) dalam memastikan kesinambungan kualiti perkhidmatan SME Corp. Malaysia serta Kementerian dan agensi lain, persatuan industri, dan rakan strategik, yang turut sama memainkan peranan penting bagi mengurangkan kesan COVID-19 yang telah melanda ke atas ekonomi Negara.
Kepada rakan sepasukan saya iaitu barisan Anggota Perbadanan, Pihak Pengurusan serta kakitangan SME Corp. Malaysia, tiada kata-kata yang dapat menggambarkan rasa hormat dan penghargaan saya kepada anda dalam usaha gigih anda untuk mengatasi cabaran yang kita hadapi sebagai satu pasukan - terima kasih.

Dato’ Sri Syed Hussien Al Habshee Pengerusi SME Corp. Malaysia 6 PERUTUSAN KETUA PEGAWAI EKSEKUTIF Pelbagai langkah diambil bagi kelangsungan perniagaan termasuk pelepasan hutang dan inisiatif kewangan.
Justeru itu, Pakej Rangsangan Ekonomi PRIHATIN dan Pelan Pemulihan PENJANA telah diperkenalkan bagi membantu PMKS menilai dan memikirkan semula kaedah perniagaan yang sejajar dengan norma baharu.

Tahun 2021 telah menyaksikan pemulihan yang kecil tetapi sangat ketara, yang mana ribut pandemik telah mula reda dan langkah bantuan khas yang dilaksanakan pada tahun 2020 bagi membantu PMKS membantu anjakan serta mengurangkan kekangan aliran tunai.
Sepintas lalu, bermula dari bulan Januari hingga Disember 2021, sejumlah RM120.9 juta dana telah diterima daripada pelbagai sumber dan sebanyak 644,905 PMKS telah mendapat manfaat daripada pelbagai inisiatif yang telah dijalankan oleh SME Corp. Malaysia.
Sejumlah RM163.6 juta dana telah dibelanjakan, di mana RM57.6 juta atau 35% dibelanjakan sebagai dana pembangunan 2021 dan baki RM28.1 juta atau 17% sebagai dana khas untuk program yang dilaksanakan dengan kerjasama Kementerian dan Agensi luar seperti Program Halal, Program Rel, Zonepreneur, Geran Usahawan Perak (GeRUP) dan Majlis Agama Islam Wilayah Persekutuan (MAIWP).

Selain itu, pencapaian program Pembangunan Utama 2021 menunjukkan bahawa capaian sebenar jauh melebihi jumlah yang disasarkan.
Sebagai contoh ialah program Penarafan dan Akreditasi PKS (SRA) telah mensasarkan 9,815 syarikat, manakala bilangan sebenar perniagaan Selama dua dekad yang lalu, SME Corp. Malaysia telah memberikan sokongan menyeluruh kepada Perusahaan Mikro, Kecil dan Sederhana (PMKS), yang menjadi tulang belakang ekonomi Malaysia.

Di antara inisiatif utama PMKS yang memfokuskan kepada automasi dan pendigitalan telah mendapat momentum semasa pandemik COVID-19 melanda.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PERUTUSAN KETUA PEGAWAI EKSEKUTIF 7 • Menjalankan projek rintis bagi Pusat Tindakan Kelestarian PKS (Action Centre for Sustainable SMEs - ACCESS) dengan kerjasama United Nations Global Compact Network Malaysia dan Brunei (UNGCMYB).

ACCESS menyediakan penarafan ESG, khidmat nasihat, pembinaan kapasiti serta jalinan rangkaian bersama-sama syarikat besar yang terlibat dalam amalan Sustainable Development Goals (SDG).
Matlamat utama SME Corp. Malaysia adalah mempersiapkan PMKS untuk menghadapi masa hadapan dan ianya hanya boleh dilaksanakan sekiranya tumpuan diberikan untuk menyesuaikan dan menerimapakai teknologi digital dan automasi.

Tahun ini ternyata merupakan tahun yang mencabar bagi PMKS dan dengan ini, saya ingin mengucapkan terima kasih kepada semua pihak di Kementerian Pembangunan Usahawan dan Koperasi (KUSKOP) serta rakan-rakan strategik yang turut bersama-sama SME Corp. Malaysia pada waktu yang genting ini.
Turut tidak dilupakan ialah barisan Anggota Perbadanan, Pengurusan serta kakitangan SME Corp. Malaysia yang bersama-sama menggembeleng usaha bagi menjadikan PMKS yang berdaya tahan serta berdaya saing di waktu yang sukar ini.

Besar harapan saya agar SME Corp. Malaysia dapat terus memberikan perkhidmatan yang terbaik dan berkualiti ke arah pembangunan ekonomi yang maju dan progresif untuk semua.

Rizal Nainy Ketua Pegawai Eksekutif SME Corp. Malaysia yang dinilai ialah 14,051 syarikat.
Bilangan ini merupakan trend umum untuk semua program yang mencerminkan peningkatan permintaan oleh PMKS untuk membina semula perniagaan.

Bagi tahun 2022, sebanyak 28 program dan aktiviti berkaitan akan dilaksanakan oleh SME Corp. Malaysia di bawah enam (6) bidang tumpuan seperti yang berikut: • Ekonomi, Penyelarasan dan Kemudahan; • Akses kepada Pasaran; • Sektoral, Inovasi dan Pendigitalan; • Akses kepada Pembiayaan; • Pembangunan Bumiputera; dan • Pembangunan Inklusif.
Dari segi bantuan kewangan, terdapat lima (5) program berbentuk bantuan geran dan pinjaman yang disediakan iaitu: • Business Accelerator Programme (BAP) 3.0; • Program Peningkatan Enterpris Bumiputera (BEEP) 2.0; • Modal Kerja @ BAP; • Pembiayaan Pengukuhan PKS; dan • Dana Kecemasan PKS 2.0.
SME Corp. Malaysia juga melaksanakan empat (4) inisiatif baharu yang berikut pada tahun 2022, dengan tiga (3) daripadanya ialah mandat daripada Kementerian Pembangunan Usahawan dan Koperasi (KUSKOP) iaitu: • Menerbitkan Kit Panduan Tadbir Urus Korporat untuk PMKS; • Menjalankan kajian untuk melantik Pesuruhjaya bagi pembayaran kepada PMKS, yang tepat pada waktunya dan bertindak sebagai perantara dalam menyelesaikan pertikaian pembayaran; • Menjalankan kajian terhadap pindaan Akta Perbadanan Perusahaan Kecil dan Sederhana Malaysia (Akta 539) bagi memastikan fungsi dan peranan SME Corp. Malaysia masih relevan dan menyumbang kepada peningkatan pembangunan PMKS di Malaysia; dan MAKLUMAT KORPORAT 10 SME CORPORATION MALAYSIA SME Corporation Malaysia (SME Corp. Malaysia) telah ditubuhkan di bawah Akta Perbadanan Perusahaan Kecil dan Sederhana Malaysia 1995 (Akta 539), merupakan Badan Berkanun yang dilantik oleh Kerajaan sebagai Agensi Penyelaras Pusat (CCA) yang bertanggungjawab memantau pembangunan Perusahaan Mikro, Kecil dan Sederhana Malaysia (PMKS) di Malaysia.
SME Corp. Malaysia telah diwartakan sebagai agensi di bawah Kementerian Pembangunan Usahawan dan Koperasi Malaysia (KUSKOP) pada bulan November 2018.

Sebagai sebuah institusi peneraju, SME Corp. Malaysia bertindak sebagai pusat rujukan untuk penyelidikan, data, program dan khidmat nasihat yang berkaitan dengan PKS.
Sebagai sebuah CCA bagi pembangunan PKS secara keseluruhan di Malaysia, SME Corp. Malaysia menyelaras, memperkemas, memantau dan menilai kemajuan dan keberkesanan program pembangunan PKS yang dilaksanakan oleh 15 Kementerian, 6 Agensi Tunggal dan 56 Agensi.

Maklumat yang dikumpulkan daripada Kementerian dan Agensi yang berkaitan diterbitkan secara tahunan dalam bentuk Laporan Pelan Tindakan Bersepadu PKS (SMEIPA).
PERMULAAN YANG POSITIF Pada tahun 1996, Perbadanan Pembangunan Industri Kecil dan Sederhana (SMIDEC), sebuah agensi khusus di bawah Kementerian Perdagangan Antarabangsa dan Industri (MITI), ditubuhkan untuk menggalakkan pembangunan PKS melalui inisiatif bersasar.

Objektif utama SMIDEC adalah untuk memupuk potensi Industri Kecil dan Sederhana Malaysia (IKS) melalui sokongan prasarana, bantuan kewangan, khidmat nasihat perniagaan, akses pasaran dan pelbagai program pembangunan.
SMIDEC bertujuan untuk membangunkan IKS yang berdaya tahan agar mampu berdaya saing di pasaran tempatan, serantau dan global.
Bertindak sebagai pusat rujukan untuk penyelidikan, data, program dan khidmat nasihat yang berkaitan PKS Menyelaras, memperkemas, memantau dan menilai kemajuan dan keberkesanan program pembangunan PKS yang dilaksanakan oleh 15 Kementerian, 6 Agensi Tunggal dan 56 Agensi Maklumat yang dikumpulkan daripada Kementerian dan Agensi yang berkaitan diterbitkan secara tahunan SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 SME CORPORATION MALAYSIA 11 Pembentukan Majlis Pembangunan PKS Kebangsaan (MPPK) pada tahun 2004 merupakan pencapaian penting dalam usaha memesatkan pembangunan PKS di negara ini.
MPPK berfungsi sebagai badan pembuat dasar tertinggi dalam menetapkan hala tuju strategik bagi dasar Kerajaan yang berkaitan dengan pembangunan PKS, dan memastikan keberkesanan keseluruhan program dan inisiatif Kerajaan.

PERANAN DAN FUNGSI UTAMA Pada telah tahun 2007, MPPK memutuskan untuk membentuk sebuah agensi yang khusus bagi menggubal dasar dan strategi menyeluruh untuk PKS dan memacu program PKS merentasi Kementerian dan agensi.
SMIDEC dijenamakan semula sebagai SME Corp. Malaysia pada 2 Oktober 2009 untuk memainkan peranan CCA.

Sementara itu, dengan lebih penekanan diberikan terhadap pembangunan keusahawanan, MPPK telah dijenamakan semula sebagai Majlis Pembangunan Usahawan dan PKS Kebangsaan (MPUPK) pada 8 April 2019.
1 Pusat pengumpulan dan rujukan setempat bagi maklumat dan khidmat nasihat PKS 2 Penyelarasan program pembangunan PKS Penilaian ekonomi PKS 3 4 Pelaksanaan akreditasi PKS 5 Pelaksanaan program pembangunan dan sokongan perniagaan 6 Fasilitasi akses PKS ke pasaran domestik dan antarabangsa 12 TADBIR URUS KORPORAT JAWATANKUASA DAN PANEL PERBADANAN Jawatankuasa dan Panel Perbadanan bertindak sebagai pemegang amanah yang memimpin organisasi ke arah masa depan yang mampan berasaskan tadbir urus yang baik, beretika dan dasar pengurusan kewangan yang selaras dengan undang-undang.
Para profesional yang berwibawa dengan pengalaman dan wawasan mereka, menentukan hala tuju organisasi ke arah mencapai visi dan misi.

Di SME Corp. Malaysia, Jawatankuasa Perbadanan terdiri daripada Jawatankuasa Audit, Jawatankuasa Ganjaran dan Faedah (RBC), Jawatankuasa Pinjaman Pendidikan (SLC), Jawatankuasa Pelaburan, Jawatankuasa Bumiputera dalam Perniagaan, Jawatankuasa Inovasi dan Pendigitalan, Jawatankuasa Panel Akses Pasaran dan Pengantarabangsaan dan Jawatankuasa Pembangunan Inklusif.

1.
1.

Jawatankuasa Audit Jawatankuasa ini adalah keperluan yang ditetapkan dalam Surat Pekeliling Am Bil.

3 Tahun 1998 1PP PS 3.2/2013: Penubuhan Jawatankuasa Audit Peringkat Kementerian Persekutuan dan Kerajaan Negeri.

Pengerusi: YBhg.

Dato’ Sri Jailani Bin Johari Ahli: i. YBhg.

Datuk Dr. Zunika Binti Mohamed ii.

YBrs.

Encik Afizal Bin Kasa iii.

YBrs.

Encik Koong Lin Loong iv.

YBrs.

Encik Apli bin Yusof dan YBhg.

Dato’ Hajah Faridah Binti Ab.


Jabbar Objektif: • Untuk membincangkan penemuan audit yang dibangkitkan oleh Unit Audit Dalam dan Juru Audit Luar; dan • Untuk memastikan pihak Pengurusan mengambil tindakan pencegahan dan pembetulan bagi memperbaiki kelemahan yang ditemui dan mengelakkan isu audit berulang.

2.

Jawatankuasa Ganjaran dan Faedah (RBC) Pengerusi: YBrs.

Encik Afizal Bin Kasa Ahli: i. YBhg.

Datuk Dr. Zunika Binti Mohamed ii.

Ketua Pegawai Eksekutif, SME Corp. Malaysia iii.


Ketua Pegawai Operasi, SME Corp. Malaysia iv.

Wakil Bahagian Sumber Manusia, KUSKOP SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 TADBIR URUS KORPORAT 13 Objektif: • Untuk membincangkan dan mengesyorkan imbuhan, pampasan, faedah dan ganjaran bagi kakitangan di bawah Skim Perkhidmatan SME Corp. Malaysia untuk menarik dan mengekalkan bakat; dan • Mewujudkan dasar pentadbiran sistem pakej imbuhan di bawah Skim Perkhidmatan SME Corp. Malaysia.

3.
3.

Jawatankuasa Pinjaman Pendidikan (SLC) Pengerusi: YBhg.

Datuk Haji Zamri Bin Salleh Ahli: i. YBrs.

Encik Afizal Bin Kasa ii.

Ketua Pegawai Eksekutif, SME Corp. Malaysia iii.

Ketua Pegawai Operasi, SME Corp. Malaysia iv.

Wakil Bahagian Sumber Manusia, KUSKOP Objektif: • Untuk menilai dan meluluskan permohonan; • Untuk meluluskan lanjutan tempoh pengajian; dan • Untuk menyemak dan mencadangkan garis panduan baharu kepada jawatankuasa Ganjaran dan Faedah (RBC).

4.
4.

Jawatankuasa Pelaburan Pengerusi: YBrs.

Encik Koong Lin Loong Ahli: i. Ketua Pegawai Eksekutif, SME Corp. Malaysia ii.

Timbalan Ketua Pegawai Eksekutif, SME Corp. Malaysia iii.

Ketua Pegawai Operasi, SME Corp. Malaysia iv.

Seorang (1) wakil KUSKOP v. Seorang (1) wakil EPU vi.

Seorang (1) wakil MOF vii.


Wakil lain dari SME Corp. Malaysia, Kerajaan dan sektor swasta yang berkelayakan boleh dijemput sekiranya perlu Objektif: • Untuk mencadangkan kepada Lembaga, sebarang aktiviti pelaburan yang boleh dilaksanakan oleh SME Corp. Malaysia berdasarkan kajian pra-kebolehlaksanaan dan usaha wajar; dan • Untuk memastikan semua aktiviti pelaburan dijalankan mengikut dasar, garis panduan dan/atau tatacara yang digariskan oleh SME Corp. Malaysia.

14 5.
14 5.

Jawatankuasa Bumiputera dalam Perniagaan Pengerusi: YBhg.

Dato’ Sri Jailani Bin Johari Timbalan Pengerusi: YBhg.

Dato’ Hajah Habibah Binti Mohd Yusof dan YBhg.

Dato’ Hajah Faridah Binti Ab.

Jabbar Ahli: i. Seorang (1) wakil KUSKOP ii.

Seorang (1) wakil EPU iii.

Seorang (1) wakil TERAJU iv.

Seorang (1) wakil MARA v. Seorang (1) wakil PERDASAMA vi.

Seorang (1) wakil DPMM vii.

Seorang (1) wakil PENIAGAWATI; dan viii.

Seorang (1) wakil MPM.


Objektif: Untuk berkhidmat sebagai panel penasihat bagi menambah baik inisiatif sedia ada dan mencipta inisiatif baharu jika sesuai.

6.

Jawatankuasa Inovasi dan Pendigitalan Pengerusi: YBhg.

Prof. Dato’ Dr. Haji Abdul Razak Bin Omar dan YBrs.

Dr. Mohd Yadzil Bin Yaakub.

Timbalan Pengerusi: YBrs.

Encik Apli Bin Yusof Ahli: i. Wakil KUSKOP (Pembangunan Vendor) ii.

Wakil MDEC (Ketua Pegawai Digital) iii.

Wakil MOSTI (Bahagian Pengkomersialan) iv.


Wakil Malaysian Service Providers’ Confederation v. Wakil Persekutuan Pekilang Malaysia/ FMM vi.

Pengerusi IKS, Belia dan Keusahawanan vii.

Jawatankuasa/ SYEC viii.


Wakil Persatuan Teknologi Automasi Malaysia (MATA) Objektif: Untuk mengemukakan inisiatif baharu dan mengesyorkan penambahbaikan terhadap program yang berkaitan dengan inovasi dan juga pendigitalan yang dapat meningkatkan adaptasi inovasi, teknologi dan pendigitalan dalam kalangan Perusahaan Kecil dan Sederhana.

SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 TADBIR URUS KORPORAT 15 7.

Jawatankuasa Panel Akses Pasaran dan Pengantarabangsaan Pengerusi: YBrs.
Encik Bell Aggan @ Bell Anak Bernard Aggan dan YBhg.

Dato’ Nurulhidayah Binti Ahmad Zahid Timbalan Pengerusi: YBhg.

Datuk Haji Azhari Bin Dato’ Shaari Ahli: i. Dua orang (2) Wakil KUSKOP/ MITI/ MATRADE ii.

Dua orang (2) Wakil MICCI & MEXPA iii.

Seorang (1) Wakil Sektor Platform Atas Talian, ie: Lazada/ Shoppee iv.
Seorang (1) Wakil Sektor Hypermarket; ie: AEON Group/ Mydin v. Seorang (1) Wakil UOB Bank Objektif: • Memberikan pandangan dan maklumbalas ke atas program-program sedia ada serta mencadangkan penambahbaikan yang bersesuaian, jika perlu; dan • Memberikan pandangan dan maklumbalas ke atas inisiatif-inisiatif baharu yang dapat menyumbang kepada peningkatan akses kepada pasaran dan pengantarabangsaan bagi PKS.

8.

Jawatankuasa Pembangunan Inklusif Pengerusi: YBhg.


Dato’ Faridah Binti Ab Jabbar Timbalan Pengerusi: YBhg.

Dato’ Hajah Habibah Binti Mohd Yusof dan YBrs.

Tuan Haji Hilmy Bin Othman Ahli: i. Dua (2) Wakil – Micro Business Association/ Organisation ii.

Dua (2) Wakil – Persatuan Wanita dalam Perniagaan iii.

Satu (1) Wakil – Persatuan Belia dalam Perniagaan iv.
Satu (1) Wakil – Sektor Perniagaan Sosial v. Satu (1) Wakil – Persatuan/Perbadanan Inklusif Objektif: • Membantu SME Corp. Malaysia dalam membangunkan dan menambahbaik inisiatif baru termasuk pembangunan inklusif; • Memberikan pandangan dan cadangan penambahbaikan ke atas inisiatif-inisiatif baru termasuk pembangunan inklusif; dan • Memberikan nasihat di dalam strategi secara keseluruhan dalam inisiatif pembangunan inklusif.
16 STRUKTUR ORGANISASI KETUA PEGAWAI EKSEKUTIF PEJABAT KETUA PEGAWAI EKSEKUTIF • Perundangan & Perbadanan • Integriti STRUKTUR ORGANISASI 17 BAHAGIAN KOMUNIKASI STRATEGIK UNIT AUDIT DALAM TIMBALAN KETUA PEGAWAI EKSEKUTIF (DASAR & PENYELARASAN) TIMBALAN KETUA PEGAWAI EKSEKUTIF (PELAKSANAAN & PEMBANGUNAN) KETUA PEGAWAI OPERASI BAHAGIAN KOORDINASI PROGRAM BAHAGIAN KHIDMAT NASIHAT & SOKONGAN PERNIAGAAN BAHAGIAN TEKNOLOGI MAKLUMAT BAHAGIAN EKONOMI & DASAR BAHAGIAN PEMBANGUNAN PERNIAGAAN & KEUSAHAWANAN BAHAGIAN PEMBANGUNAN MODAL INSAN BAHAGIAN PEMANTAUAN DASAR & PEMBANGUNAN INKLUSIF BAHAGIAN PEMBANGUNAN PERNIAGAAN BUMIPUTERA BAHAGIAN KEWANGAN & AKAUN BAHAGIAN KERJASAMA ANTARABANGSA BAHAGIAN PENGURUSAN KORPORAT PEJABAT NEGERI SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 18 ANGGOTA PERBADANAN Senarai Pengerusi dan Anggota Perbadanan yang berkhidmat sepanjang tahun 2021: YBhg.
Dato’ Sri Syed Hussien Abdul Kadir Al Habshee PENGERUSI YBhg.

Dato’ Sri Syed Hussien Bin Abdul Kadir Al Habshee berkelulusan Ijazah Sarjana Muda Sains Sosial dari Universiti Sains Malaysia (USM) dan Ijazah Sarjana Sastera dalam Perhubungan Antarabangsa dari Fletcher School of Law & Diplomacy, University of Tufts, Amerika Syarikat.

Beliau kini memegang pelbagai jawatan sebagai Timbalan Presiden Dewan Perniagaan Melayu Malaysia dan Pengerusi bagi Kumpulan Syarikat Axisjaya.
Beliau dilantik sebagai Pengerusi SME Corporation Malaysia sejak Disember 2018.

Anggota Perbadanan dari 2 Disember 2018 – 31 Disember 2022 YBhg.

Datuk Haji Zamri Salleh TIMBALAN PENGERUSI YBhg.

Datuk Haji Zamri bin Salleh memegang Ijazah Sarjana Sains (Pengurusan), dari Universiti Utara Malaysia (UUM).

Pada tahun 1989, beliau memulakan kerjayanya sebagai Penolong Pengarah, Unit Penyelarasan Pelaksanaan di Jabatan Perdana Menteri.
Pada masa ini, beliau ialah Timbalan Ketua Setiausaha (Pembangunan dan Pemantauan Keusahawanan) bagi Kementerian Pembangunan Usahawan dan Koperasi (MEDAC) dan juga Anggota Perbadanan SME Corp. Malaysia.

Anggota Perbadanan dari 1 Januari 2022 – 31 Disember 2023 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 ANGGOTA PERBADANAN 19 YBhg.

Datuk Dr. Zunika Mohamed ANGGOTA PERBADANAN YBhg.


Datuk Dr. Zunika Mohamed memperoleh Ijazah Kedoktoran dalam bidang Ekonomi dari Universiti Putra Malaysia (UPM) dan memperoleh Ijazah Pascasiswazah dan Sarjana Ekonomi di Universiti Islam Antarabangsa, Malaysia dan Universiti Texas, AS.

Beliau juga memiliki Diploma Pentadbiran Awam daripada Institut Tadbiran Awam Negara (INTAN) Malaysia.

Beliau kini merupakan Timbalan Ketua Pengarah (Makro), Unit Perancang Ekonomi Jabatan Perdana Menteri.
Beliau merupakan ahli ekonomi terlatih dan pernah berkhidmat dalam pelbagai jawatan di beberapa Kementerian 25 tahun yang lalu, termasuk berkhidmat lebih awal di Unit Perancang Ekonomi.

Beliau kini merupakan Anggota Perbadanan SME Corp. Malaysia.

Anggota Perbadanan dari 1 Jun 2021 – 31 Disember 2022 YBrs.

Encik Afizal Kasa ANGGOTA PERBADANAN YBrs.

Encik Afizal Kasa memiliki Ijazah Sarjana Muda Perakaunan (Kepujian) dari Universiti Teknologi MARA.
Beliau kini memegang jawatan sebagai Ketua Bahagian Belanjawan di Pejabat Belanjawan Negara (NBO), Kementerian Kewangan Malaysia dan juga Anggota Perbadanan SME Corp. Malaysia.

Anggota Perbadanan dari 1 Januari 2022 – 31 Disember 2023 YBrs.

Encik Koong Lin Loong ANGGOTA PERBADANAN YBrs.

Encik Koong Lin Loong kini merupakan Rakan Kongsi Urusan Reanda LLKG International, Pengarah Eksekutif Rangkaian Antarabangsa Reanda dan Pengerusi Panel Cukai Antarabangsa.
Kini beliau merupakan Ahli Majlis Kebangsaan bagi Dewan Perniagaan dan Perindustrian Cina Bersekutu Malaysia (ACCCIM) dan Anggota Perbadanan SME Corp. Malaysia.

Anggota Perbadanan dari 1 Januari 2021 – 31 Disember 2022 20 YBhg.

Dato’ Sri Jailani Johari ANGGOTA PERBADANAN YBhg.

Dato’ Sri Jailani Johari berkelulusan dari Universiti Malaya (UM) dalam jurusan Undang-Undang.

Beliau sebelum ini berkhidmat sebagai Timbalan Menteri Kementerian Komunikasi dan Multimedia dari 2013 hingga 2018.

YBhg.
YBhg.

Dato’ Sri Jailani Johari juga merupakan Anggota Perbadanan SME Corp. Malaysia.

Anggota Perbadanan dari 1 Jun 2020 – 31 Disember 2021 YBhg.

Dato’ Hajah Faridah Ab.

Jabbar ANGGOTA PERBADANAN YBhg.

Dato’ Hajah Faridah Ab.

Jabbar berkelulusan Diploma Lanjutan Pengajian Perniagaan di Singapura dan Diploma Setiausaha dari Institut Setiausaha, Singapura.
Pada masa ini, beliau adalah Anggota Perbadanan SME Corp. Malaysia, Yang DiPertua, USAHANITA Malaysia dan Ketua Sekretariat Yayasan bagi Majlis Perundingan Melayu (MPM).

Beliau telah dianugerahkan Darjah Indera Mahkota Pahang (DIMP) yang membawa gelaran Datoship oleh DYMM Baginda Sultan Pahang pada tahun 2014.

Anggota Perbadanan dari 1 Jun 2022 – 31 Disember 2023 YBrs.

Dr. Mohd Yadzil Yaakub ANGGOTA PERBADANAN YBrs.


Dr. Mohd Yadzil Yaakub berkelulusan Ijazah Perubatan dari Universiti Udaya, Bali, Indonesia.

Selain daripada menjadi Anggota Perbadanan SME Corp. Malaysia, beliau merupakan seorang pengamal perubatan di Poliklinik Hidayah, Melaka.

Anggota Perbadanan dari 1 Jun 2020 – 15 November 2021 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 ANGGOTA PERBADANAN 21 YBhg.

Kapten (B) Datuk Muhammad Suhaimi Yahya ANGGOTA PERBADANAN YBhg.
Kapten (B) Datuk Muhammad Suhaimi Yahya berkelulusan dari Asia e University (AEU) dalam bidang Sarjana Eksekutif dalam Pengurusan Kejuruteraan.

Beliau pernah berkhidmat sebagai pegawai berpangkat Kapten dalam Angkatan Tentera Malaysia (ATM).

YBhg.

Kapten (B) Datuk Muhammad Suhaimi bin Yahya juga merupakan Anggota Perbadanan SME Corp. Malaysia.

Anggota Perbadanan dari 1 Jun 2020 – 15 November 2021 YBrs.

Tuan Haji Hilmy Othman ANGGOTA PERBADANAN YBrs.


Tuan Haji Hilmy Othman lulusan dari Universiti Malaya (UM) dalam Sarjana Muda Sains.

Selain daripada menjadi Anggota Perbadanan SME Corp. Malaysia, beliau kini merupakan Timbalan Datuk Bandar di Majlis Bandaraya Kuching Selatan.

Anggota Perbadanan dari 1 Jun 2020 – 15 November 2021 YBhg.

Dato’ Nurulhidayah Ahmad Zahid ANGGOTA PERBADANAN YBhg.

Dato’ Nurulhidayah Ahmad Zahid berkelulusan Universiti Putra Malaysia (UPM) dalam bidang Komunikasi.
Memulakan kerjayanya sebagai Eksekutif Perhubungan Awam di Syarikat Perumahan Negara Berhad (SPNB) dan meletak jawatan sebagai Naib Presiden Komunikasi Korporat pada tahun 2016 untuk memulakan usaha perniagaannya sendiri, beliau kini merupakan Anggota Perbadanan SME Corp. Malaysia.

Anggota Perbadanan dari 1 Januari 2021 – 6 April 2021 22 YBhg.

Dato’ Sri Azizan Ahmad ANGGOTA PERBADANAN YBhg.

Dato’ Sri Azizan Ahmad berkelulusan dari Universiti Ashland, Ashland, Ohio dalam Sarjana Pentadbiran Perniagaan.
Beliau sebelum ini berkhidmat sebagai Ketua Setiausaha Kementerian Tenaga dan Sumber Asli dari 2015 hingga 2017.

Beliau kini merupakan Anggota Perbadanan SME Corp. Malaysia.

Anggota Perbadanan dari 1 Februari 2021 – 15 Disember 2021 YBrs.

Encik Bell Aggan @ Bell Ak Bernard Aggan ANGGOTA PERBADANAN Encik Bell Aggan @ Bell Ak Bernard Aggan lulusan dari Oklahoma City University, Oklahoma, Amerika Syarikat jurusan Ijazah Sarjana Muda Sains dalam Pengurusan Perniagaan.
Beliau kini merupakan bendahari agung untuk Dewan Perniagaan dan Perindustrian Dayak (DCCI) dan Anggota Perbadanan SME Corp. Malaysia.

Beliau telah dianugerahkan Ahli Mangku Negara (A.M.N) pada 2017.

Anggota Perbadanan dari 6 Januari 2021 – 31 Disember 2022 YBhg.

Datuk Haji Azhari Dato’ Shaari ANGGOTA PERBADANAN YBhg.

Datuk Haji Azhari Dato’ Shaari berkelulusan dari Universiti Pengurusan dan Sains dalam Sarjana Pentadbiran Perniagaan.
Beliau kini merupakan Ketua Pegawai Eksekutif Kumpulan Syarikat ASA dan Anggota Perbadanan SME Corp. Malaysia.

Anggota Perbadanan dari 16 November 2021 – 15 November 2023 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 ANGGOTA PERBADANAN 23 YBhg.

Prof. Madya Dato’ Dr. Haji Abdul Razak Haji Omar ANGGOTA PERBADANAN YBhg.

Prof. Madya Dato’ Dr. Haji Abdul Razak Haji Omar berkelulusan dari University of Stirling, Scotland, UK dalam jurusan PhD.

Pengajian Perniagaan.


Beliau telah berkhidmat dalam pelbagai jawatan di peringkat kementerian, negeri dan universiti.

Kebanyakannya beliau sebagai penasihat dan ahli jawatankuasa.

Beliau kini merupakan Penasihat Korporat Naza Solutions (Asia) Sdn Bhd dan sebagai Anggota Perbadanan SME Corp. Malaysia.

Beliau telah dianugerahkan Darjah Dato’ Paduka Tuanku Ja’afar (DPTJ) yang Dipertuan Negeri Sembilan pada tahun 2006.

Anggota Perbadanan dari 16 November 2021 – 15 November 2023 YBhg.
Dato’ Hajah Habibah Mohd Yusof ANGGOTA PERBADANAN YBhg.

Dato’ Hajah Habibah Mohd Yusof berkelulusan dari Universiti Sains Malaysia (USM) jurusan Sarjana Muda Sains Sosial (Kepujian).

Beliau merupakan Anggota Perbadanan SME Corp. Malaysia dan Ketua Pergerakan Wanita UMNO Tanjong Karang.

Beliau kini merupakan Pengarah Urusan di Global Phenomel Sdn.

Bhd.

Anggota Perbadanan dari 16 November 2021 – 15 November 2023 YBrs.

Encik Apli Yusoff ANGGOTA PERBADANAN YBrs.


Encik Apli Yusoff berkelulusan dari Universiti Sains Malaysia (USM) dalam Ijazah Kejuruteraan Bahan (Kepujian).

Beliau merupakan Anggota Perbadanan SME Corp. Malaysia dan kini sebagai Pengarah di Desa Bina Industries Sdn Bhd serta merupakan pemimpin UMNO Kuala Nerus.

Anggota Perbadanan dari 16 November 2021 – 15 November 2023 24 YBrs.

Encik Rizal Nainy ANGGOTA PERBADANAN/ KETUA PEGAWAI EKSEKUTIF YBrs.
Encik Rizal Nainy lulusan dari Imperial College, University of London dalam jurusan Kejuruteraan Mekanikal dan kemudian memperoleh Ijazah Sarjana dalam Pentadbiran Perniagaan (MBA) dari Charles Sturt University, Australia.

Dengan pengalaman luas dalam pembangunan perniagaan dan keusahawanan, beliau kini merupakan Ketua Pegawai Eksekutif SME Corp. Malaysia.
Anggota Perbadanan dari 21 Julai 2020 – kini Berikut disenaraikan tarikh-tarikh Mesyuarat Anggota Perbadanan serta senarai kehadiran ahli-ahli mesyuarat.

Berdasarkan senarai yang disertakan, kehadiran Anggota Perbadanan mencapai peratusan sehingga 92% bagi kesemua mesyuarat yang telah diadakan pada tahun tersebut.

Tarikh Mesyuarat Anggota Perbadanan yang telah diadakan 1 2 3 4 Mesyuarat Anggota Perbadanan No.

1/2021 Mesyuarat Anggota Perbadanan No.

2/2021 Mesyuarat Anggota Perbadanan No.


3/2021 Mesyuarat Anggota Perbadanan No.

4/2021 16 Mac 2021 27 Julai 2021 5 Oktober 2021 14 Disember 2021 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 ANGGOTA PERBADANAN 25 Laporan dan statistik kehadiran mesyuarat Anggota Perbadanan Mesyuarat No.

1/2021 Mesyuarat No.

2/2021 Mesyuarat No.

3/2021 Mesyuarat No.

4/2021 1.

YBhg.

Dato’ Sri Syed Hussien Abdul Kadir Al Habshee 2.

YBhg.

Datuk Haji Zamri Salleh 3.

YBrs.

Encik Afizal Kasa 4.

YBhg.


Dato’ Sri Jailani Johari 5.

YBhg.

Dato’ Hajah Faridah Ab.

Jabbar 6.

YBrs.

Dr. Mohd Yadzil Yaakub 7.

YBhg.

Kapten (B) Datuk Muhammad Suhaimi Yahya 8.

YBrs.

Encik Koong Lin Loong 9.

YBhg.

Dato’ Nurulhidayah Ahmad Zahid 10.

YBrs.

Tuan Haji Hilmy Othman 11.

YBhg.

Dato’ Sri Azizan Ahmad 12.

YBhg.

Datuk Dr. Zunika Mohamed 13.

YBrs.

Encik Bell Aggan @ Bell Ak Bernard Aggan 14.

YBhg.

Datuk Haji Azhari Dato’ Shaari 15.

YBhg.


Prof. Dato’ Dr. Haji Abdul Razak Haji Omar 16.

YBhg.

Dato’ Hajah Habibah Mohd Yusof 17.

YBrs.

Encik Apli Yusoff 18.

YBrs.

Encik Rizal Nainy JUMLAH / / X / / / / / / / / – – – – – – / / / / / / / / / – / / / / – – – – / / / / / / / / / – / / / / – – – – / / / / / / – – / – – – X X / / / / / 11/12 13/13 13/13 11/13 26 PENGURUSAN TERTINGGI & KANAN YBrs.
Encik Rizal bin Nainy Ketua Pegawai Eksekutif Encik Mohd Rithaudden bin Makip Timbalan Ketua Pegawai Eksekutif (Dasar & Penyelarasan) SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PENGURUSAN TERTINGGI & KANAN 27 Encik Zaky bin Moh Timbalan Ketua Pegawai Eksekutif (Pelaksanaan & Pembangunan) Puan Sharifah Najwa binti Syed Abu Bakar Ketua Pegawai Operasi 28 Tuan Haji Mohd Izham bin Abdullah Pengarah Kanan, Bahagian Koordinasi Program Puan Mimi Razidah binti Abd Razak Pengarah, Bahagian Pembangunan Perniagaan & Keusahawanan Encik Czarif Chai bin Abdullah Pengarah Kanan, Bahagian Khidmat Nasihat & Sokongan Perniagaan SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PENGURUSAN TERTINGGI & KANAN 29 Cik Kausalya Gopal Pengarah, Bahagian Ekonomi & Dasar Encik Amrul Nazri bin Abdullah Pengarah, Bahagian Kerjasama Antarabangsa Puan Hilyati binti Mohd Nasir Pengarah, Bahagian Pemantauan Dasar & Pembangunan Inklusif 30 Puan Suraini binti Mohamad Sulaiman Pengarah, Bahagian Pembangunan Perniagaan Bumiputera YM Raja Rozaila binti Raja Azman Pengarah, Bahagian Komunikasi Strategik Encik Aminuddin bin Mohamed Timbalan Pengarah, Bahagian Teknologi Maklumat SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PENGURUSAN TERTINGGI & KANAN 31 Encik Hisham bin Taharuddin Pengurus Kanan, Bahagian Kewangan & Akaun Encik Ghazali bin Hamzah Pengurus Kanan, Bahagian Pengurusan Korporat Puan Nor Amirah binti Ab Halim Pengurus, Unit Audit Dalam Puan Hayati binti Hassan Pengurus Kanan, Bahagian Pembangunan Modal Insan 32 PEJABAT NEGERI Encik Muhammad Aqil Baharin
 Pengarah, Pejabat Negeri Johor Cik Nur-Ul-Ain Mohd Asmoni Pengarah, Pejabat Negeri Kedah/ Perlis Encik Meor Shahril Isma Meor Abdullah Pengarah, Pejabat Negeri Kelantan Cik Khairiyah Jaafar Pengarah, Pejabat Negeri Melaka Puan Maslinda binti Zulkifly Pengarah, Pejabat Negeri Sembilan Puan Nadia Yusof Pengarah, Pejabat Negeri Pahang SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PEJABAT NEGERI 33 Encik Noor Azzam Yaazizul Ghafar Pengarah, Pejabat Negeri Pulau Pinang Cik Azrine Othman Pengarah, Pejabat Negeri Perak Encik Muhd Hamdi Salleh Pengarah, Pejabat Negeri Sabah Encik Faiz Ramzi Sutarji Pengarah, Pejabat Negeri Sarawak Encik Rosman Zamri Pengarah, Pejabat Negeri Terengganu PROGRAM DAN INISIATIF TERAS 36 PROGRAM DAN INISIATIF TERAS PENARAFAN DAN AKREDITASI PKS Pendaftaran Status PMKS inisiatif baharu Sistem Pendaftaran Status PMKS yang merupakan dibangunkan oleh SME Corp. Malaysia bagi memastikan setiap PMKS yang memohon untuk mengikuti program atau mendapatkan bantuan/insentif Kerajaan memenuhi definisi PMKS yang telah ditetapkan oleh Kerajaan.
program Syarikat/perniagaan yang memenuhi definisi tersebut layak dipertimbangkan bagi mengikuti serta mendapatkan bantuan/insentif Kerajaan melalui agensi seperti SME Corp. Malaysia atau mana-mana Kementerian dan Agensi yang turut menggunapakai definisi PMKS ini.

Permohonan Sistem Pendaftaran Status PMKS boleh dilawati dan boleh dilakukan secara dalam talian di laman sesawang https://smereg.smecorp.gov.my/reg/.
Sehingga 31 Disember 2021, SME Corp. Malaysia telah meluluskan 13,014 permohonan sebagai PMKS, sementara baki 547 lagi adalah daripada permohonan bukan PMKS.

BILANGAN KELULUSAN SEHINGGA 31 DISEMBER 2021 PMKS 13,014 Sehingga 31 Disember 2021, SME Corp. Malaysia telah meluluskan 13,014 permohonan sebagai PMKS, sementara baki 547 lagi adalah daripada permohonan Bukan PMKS.
547 Bukan PMKS SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 37 Penarafan Daya Saing PKS untuk Peningkatan (SCORE) Penarafan Daya Saing PKS untuk Peningkatan (SCORE) merupakan satu alat diagnostik yang memberikan penarafan bintang bagi menunjukkan prestasi daya saing PKS berasaskan tujuh parameter penilaian, iaitu: i) Keupayaan Kewangan; ii) Prestasi Perniagaan; iii) Keupayaan Teknikal; iv) Keupayaan Pengeluaran; v) Inovasi; vi) Sistem Kualiti; dan vii) Keupayaan Pengurusan.
Sehingga kini, SCORE terbukti berkesan bagi mengukur status tahap kesediaan daya saing PKS untuk maju lebih besar.

ke hadapan bagi mencapai kejayaan Penarafan SCORE ini mengenal pasti kapasiti, keupayaan dan prestasi untuk membantu pembangunan PKS di Malaysia dengan melibatkan PKS dalam peluang perniagaan yang lebih besar dari dalam mahupun luar negara.

Pada tahun 2021, SME Corp. Malaysia berjaya memberikan penarafan SCORE kepada 9,808 PKS berbanding dengan 7,275 PKS pada tahun 2020.
Sehingga 31 Disember 2021, bilangan terkumpul PKS yang telah diberikan penarafan SCORE sejak diperkenalkan adalah berjumlah 54,107.
BILANGAN PKS DENGAN PENARAFAN SCORE PADA TAHUN 2021 BILANGAN TERKUMPUL PKS DENGAN PENARAFAN SCORE SEJAK DIPERKENALKAN Penarafan 0 Jumlah Penarafan 0 Jumlah Bilangan PKS Dinilai 41 1,112 5,807 2,536 296 16 9,808 (0.4%) (11.4%) (59.2%) (25.8%) (3.0%) (0.2%) (100%) Bilangan PKS Dinilai 349 10,181 24,851 15,514 3,079 133 54,107 (0.7%) (18.8%) (45.9%) (28.6%) (5.7%) (0.3%) (100%) 38 Penarafan Daya Saing Perusahaan Mikro bagi Peningkatan (M-CORE) Diperkenalkan pada tahun 2010, Penarafan Daya Saing Perusahaan Mikro bagi Peningkatan (M-CORE) ialah satu sistem penilaian daya saing yang dipermudah untuk menilai perusahaan mikro.
Perusahaan mikro yang memperoleh penarafan yang baik akan mendapat keutamaan dalam perolehan Kerajaan, memanfaatkan insentif cukai, rebat pembiayaan, serta mendapat akses pasaran yang lebih luas.

M-CORE mengkategorikan perusahaan mikro berdasarkan tiga (3) Tahap, iaitu dari Tahap 1 sehingga Tahap 3, berdasarkan tiga (3) parameter, iaitu keupayaan perniagaan, operasi perniagaan dan pengurusan perniagaan.
Pada tahun 2021, SME Corp. Malaysia telah memberikan penarafan M-CORE kepada 315 perusahaan mikro berbanding 303 perusahaan pada tahun 2020.

Sehingga 31 Disember 2021, bilangan terkumpul perusahaan mikro yang mendapat penarafan M-CORE sejak diperkenalkan adalah sebanyak 4,849 berbanding dengan 4,535 perusahaan pada tahun 2020.
BILANGAN PERUSAHAAN MIKRO DENGAN TAHAP PENARAFAN M-CORE PADA TAHUN 2021 Tahap Penarafan Bilangan Perusahaan Mikro Dinilai Tahap 1 Tahap 2 Tahap 3 Jumlah 57 227 31 315 (18.1%) (72.0%) (9.9%) (100%) BILANGAN TERKUMPUL PERUSAHAAN MIKRO DENGAN TAHAP M-CORE SEJAK DIPERKENALKAN Tahap Penarafan Bilangan Perusahaan Mikro Dinilai 1,079 3,540 230 4,849 (22.3%) (73.0%) (4.7%) (100%) Tahap 1 Tahap 2 Tahap 3 Jumlah SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 Program National Mark of Malaysian Brand (NMMB) Program National Mark of Malaysian Brand (NMMB), yang dilancarkan pada tahun 2009 diterajui oleh SME Corp. Malaysia dengan kerjasama SIRIM QAS International Sdn.
Bhd.

Program pensijilan NMMB ini merupakan komitmen SME Corp. Malaysia bagi memastikan kecemerlangan jenama Malaysia dengan menjamin kualiti, kecemerlangan dan keunggulan produk, serta perkhidmatan perniagaan.

Pensijilan ini dianugerahkan kepada syarikat yang telah memenuhi kriteria ketat dan seterusnya layak membawa tanda jenama NMMB pada produk dan perkhidmatan mereka selama dua (2) tahun.
Sebagai tanda aras kecemerlangan, NMMB mengukuhkan imej Buatan Malaysia di pasaran tempatan, seterusnya membantu produk dan perniagaan menempa pasaran global.

Inisiatif strategik ini juga melengkapi usaha SME Corp. Malaysia membantu PMKS berpotensi tinggi yang layak untuk meningkatkan keterserlahan produk dan perkhidmatan, dan seterusnya menembusi pasaran serantau dan antarabangsa.
Selain itu, pensijilan ini memberikan akses kepada promosi perdagangan antarabangsa, liputan media eksklusif bagi produk/ perkhidmatan, serta peluang mengikuti latihan yang dianjurkan oleh SME Corp. Malaysia.

Sejak dilancarkan, sebanyak 182 syarikat telah memperoleh pensijilan ‘National Mark of Malaysian Brand’.

Tanda dagangan ‘National Mark of Malaysian Brand’ telah didaftarkan di Malaysia, Australia, Jepun, Korea, Netherlands, Thailand, Amerika Syarikat, India, Hong Kong dan Singapura.
Tanda dagangan National Mark of Malaysian Brand juga dalam proses pendaftaran di 24 buah negara termasuk Brunei Darussalam, Kemboja, Kanada, China, Perancis, Georgia, Jerman, Hungary, Indonesia, Itali, Mexico, New Zealand, Filipina, Rusia, Turki, United Kingdom dan Viet Nam.
PROGRAM DAN INISIATIF TERAS 39 PENERIMA PENSIJILAN ‘NATIONAL MARK OF MALAYSIAN BRAND’ DARI 2010 HINGGA 2021 Industri Pembuatan Perkhidmatan Bilangan Diluluskan 152 30 Jumlah Penerima 182 ... pensijilan ini memberikan akses kepada promosi perdagangan antarabangsa, liputan media eksklusif bagi produk/ perkhidmatan, serta peluang mengikuti latihan yang dianjurkan oleh SME Corp. Malaysia.
40 pensijilan NMMB Bagi menggalakkan PMKS menyertai dan program membantu dalam membangunkan dan meningkatkan penjenamaan, SME Corp. Malaysia bersama-sama SIRIM QAS International Sdn.

Bhd dan SIRIM STS Training Sdn.

Bhd.

telah menganjurkan dua (2) siri sesi capaian dan lima (5) siri bengkel bertemakan ‘Malaysian Brands to the Global Market’ dalam tahun 2021.

Melalui siri ini, para peserta didedahkan kepada kepentingan ‘National Brand’ dan konsep penjenamaan.
Siri sesi jangkauan ini telah dilaksanakan dalam bulan November sehingga Disember 2021.

Sesi ini telah dilaksanakan secara maya dengan penyertaan sebanyak 245 peserta.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 41 PEMBANGUNAN KAPASITI DAN KEUPAYAAN Program Peningkatan Kapasiti dan Keupayaan PKS (BAP) Program Peningkatan Kapasiti dan Keupayaan (Business Accelerator Programme, BAP) bertujuan untuk membangunkan dan memupuk Perusahaan Mikro, Kecil dan Sederhana (PMKS) yang dinamik, berdaya saing dan berdaya tahan melalui bantuan bersepadu.
JENIS BANTUAN DI BAWAH BAP BAGI GERAN BERSAMAAN PADA TAHUN 2021 Jumlah dan Bilangan PMKS yang Diluluskan RM120,471.25 (2 PMKS) RM70,835.05 (6 PMKS) Jenis Bantuan Pensijilan & Sistem Pengurusan Kualiti Pembungkusan & Pembungkusan Produk RM1,246,681.39 (30 PMKS) Pembangunan Penjenamaan & Promosi RM76,768,020.20 (342 PMKS) Produktiviti dan Automasi RM1,313,971.75 (31 PMKS) Aplikasi dalam Talian, e-Dagang Mudah Alih, e-Pembayaran & Aplikasi ICT *PMKS boleh menerima pelbagai bantuan (lebih daripada satu jenis) dalam satu kelulusan.
Objektif utama program ini adalah untuk membantu PMKS mengukuhkan teras perniagaan mereka, membina kapasiti dan keupayaan serta memudahkan akses kepada pembiayaan.

Program BAP menyediakan bantuan bersepadu yang ditawarkan dalam bentuk geran bersamaan dan pinjaman mudah.
Selain daripada bantuan kewangan melalui geran bersamaan dan pinjaman mudah, program ini turut membantu PMKS yang layak menerusi khidmat nasihat perniagaan dan sokongan teknikal, dengan tujuan meningkatkan prestasi perniagaan mereka di dalam dan luar negara.
Skop pembangunan kapasiti dan keupayaan yang disediakan oleh SME Corp. Malaysia di bawah kemudahan geran bersamaan ialah: i) Pensijilan & Sistem Pengurusan Kualiti (Quality Management System, QMS); ii) Pembungkusan dan Pembungkusan Produk; iii) Pembangunan Penjenamaan & Promosi; iv) Produktiviti dan Automasi; dan v) Aplikasi dalam Talian, e-Dagang Mudah Alih, e-Pembayaran dan Aplikasi ICT.
Pada tahun 2021, penularan pandemik COVID-19 telah mengakibatkan Perintah Kawalan Pergerakan dilaksanakan secara berfasa di negara ini dengan kebanyakan sektor perniagaan terjejas dengan teruk.

SME Corp. Malaysia terus komited dalam menyokong perniagaan yang terjejas ini, khususnya bagi membantu mengekalkan operasi perniagaan dan pekerjaan.
42 BANTUAN KEWANGAN DI BAWAH BAP PADA TAHUN 2021 Jenis Bantuan Kewangan Geran Bersamaan Pinjaman Mudah 373 Bilangan PMKS Diluluskan 15 Bilangan PMKS Diluluskan 388 Jumlah RM 79.51 juta Jumlah Kelulusan RM 9.90 juta Jumlah Kelulusan RM 89.41 juta Jumlah ...
Program Modal Kerja@BAP direka secara eksklusif bagi tujuan modal kerja tetap serta membantu PMKS yang terjejas akibat pandemik agar dapat terus beroperasi, dengan memudahkan proses mendapatkan pembiayaan ... Sehubungan dengan itu, geran bersamaan berjumlah RM79.51 juta telah diluluskan kepada 373 PMKS pada tahun 2021, dengan projek yang berkaitan produktiviti dan automasi mencatatkan kelulusan tertinggi, berjumlah RM76.76 juta.
Angka ini jelas menggambarkan keperluan dan usaha PMKS dalam meningkatkan produktiviti dan kecekapan dengan mentransformasi operasi perniagaan mereka kepada automasi dan mengurangkan kebergantungan kepada pekerja berkemahiran rendah.

SME Corp. Malaysia turut bekerjasama dengan SME Bank dalam melaksanakan program pinjaman mudah yang disediakan di bawah BAP.

Program ini bertujuan memberikan bantuan kewangan kepada PMKS untuk tujuan modal kerja dan aset tetap.
Pada tahun 2021, pinjaman mudah berjumlah RM9.9 juta telah diluluskan dan telah memberikan manfaat kepada 15 PMKS.

Selain itu, SME Corp. Malaysia turut bekerjasama dengan SME Bank mewujudkan Program Modal Kerja@ BAP.
Program ini direka secara eksklusif bagi tujuan modal kerja tetap serta membantu PMKS yang terjejas akibat pandemik agar dapat terus beroperasi, dengan memudahkan proses mendapatkan pembiayaan melalui penggunaan format penilaian yang lebih mudah dan menumpukan kepada jenis pembiayaan yang diperlukan.

Penyediaan pinjaman modal kerja tetap akan membolehkan syarikat memanfaatkan aliran tunai untuk pengeluaran berterusan atau menyediakan perkhidmatan bagi menjana pendapatan.
Program Modal Kerja@BAP ini akan bermula pada tahun 2022.

SME Corp. Malaysia SME Bank SME Corp. Malaysia bekerjasama dengan SME Bank untuk menyediakan pinjaman modal kerja tetap kepada PMKS SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 43 AKSES KEPADA PEMBIAYAAN HIP3: Program Pelaburan PKS (SIP) Program Pelaburan PKS (SIP), merupakan salah satu Program Berimpak Tinggi (HIP) di bawah Pelan Induk PKS 2012-2020.
Program ini bertujuan meningkatkan akses pembiayaan, dengan tumpuan kepada PMKS yang masih di peringkat permulaan melalui penyediaan pembiayaan modal bersifat risiko tinggi.
Inisiatif Program SIP merupakan pembiayaan bersama antara Kerajaan dan sektor swasta bagi melengkapkan landskap pembiayaan sedia ada dan menawarkan pilihan alternatif kepada pelabur swasta untuk melabur dalam PMKS yang berdaya maju melalui empat (4) ciri unik iaitu: i) Membantu PMKS di peringkat permulaan yang telah beroperasi di antara satu (1) hingga tiga (3) tahun; ii) Meliputi PMKS dalam semua sektor termasuk perniagaan borong dan runcit tradisional; iii) Merupakan inisiatif pembiayaan bersama sektor awam dengan swasta; dan iv) Menawarkan fleksibiliti kepada pembiayaan berdasarkan ekuiti dan hutang, atau secara hibrid.
Setakat ini, sepuluh (10) PMKS daripada pelbagai sektor telah diluluskan pelaburan dengan nilai keseluruhan berjumlah RM25.5 juta.

Kesemua PMKS ini diberikan bimbingan bagi memastikan syarikat terus berdaya maju sehingga tamat tempoh pelaburan.
Kriteria kelayakan asas di bawah program SIP adalah: i) Memenuhi definisi PMKS; ii) Berdaftar dengan Suruhanjaya Syarikat Malaysia; iii) Pegangan ekuiti sekurang-kurangnya 51% oleh warganegara Malaysia; iv) Beroperasi antara satu (1) hingga tiga (3) tahun; dan v) Mempamerkan bukti pencapaian di pasaran, terutamanya dari segi pertumbuhan dan pencapaian hasil.
SME Corp. Malaysia MIDF Skim Pinjaman Mudah untuk PKS (SLSME) Skim Pinjaman Mudah untuk PKS (SLSME) telah dilancarkan pada tahun 2001 bagi menggalakkan pembangunan PKS di Malaysia.

Skim ini membantu syarikat baharu sedia ada berserta syarikat pemula bagi membiayai projek, aset tetap dan modal kerja.

Dana tersebut disalurkan oleh Kerajaan kepada SME Corp. Malaysia dan dilaksanakan oleh Malaysian Industrial Development Finance (MIDF).
Sehingga 31 Disember 2021, sebanyak 3,173 PKS mendapat kelulusan bantuan kewangan yang berjumlah RM2.84 bilion.

Pada tahun 2021, RM89.8 juta telah diluluskan untuk 83 PKS.
Sehingga 31 Disember 2021 3,173 PKS telah diluluskan untuk bantuan kewangan berjumlah RM2.84 bilion 44 Skim Pembiayaan PKS Patuh Syariah (SSFS) Skim Pembiayaan Patuh Syariah (SSFS) yang merupakan kerjasama di antara SME Corp. Malaysia dengan 17 buah institusi kewangan Islam serta Persatuan Perbankan dan Institusi Kewangan Islam (AIBIM) bertujuan memberi akses pembiayaan kepada PKS daripada pelbagai sektor dan saiz.
Skim yang diperkenalkan pada tahun 2012 ini akan terus dilaksanakan sehingga 31 Mac 2026 di bawah SSFS 3.0.

Sehingga 31 Disember 2021, sebanyak 273 permohonan telah diluluskan daripada 470 permohonan yang diterima.

PKS yang berkelayakan akan diberikan rebat sebanyak 2% ke atas kadar keuntungan yang dikenakan bagi pembiayaan yang disediakan.

Skim ini merupakan kelebihan tambahan berbanding skim konvensional pemberian pinjaman.
Di bawah skim ini, PKS akan menikmati rebat pembiayaan sehingga RM5 juta untuk tempoh lima (5) tahun dari tarikh kelulusan pinjaman.

Skim yang diperkenalkan pada tahun 2012 ini akan terus dilaksanakan sehingga 31 Mac 2026 di bawah SSFS 3.0.

Sehingga 31 Disember 2021, sebanyak 273 permohonan telah diluluskan daripada 470 permohonan yang diterima.

Pada tahun 2021, rebat berjumlah RM10.58 juta, telah dibayar bagi membantu 749 PKS termasuk penerima SSFS 2.0.
Jumlah ini lebih tinggi berbanding dengan jumlah pada tahun 2020 (RM7.73 juta), tetapi lebih rendah berbanding dengan jumlah pada tahun 2018 (RM16 juta) dan 2019 (RM12.4 juta).

PKS tidak melakukan sebarang pembayaran balik sepanjang tempoh moratorium yang diumumkan oleh Kerajaan pada bulan April hingga Oktober 2020 bagi mengurangkan kesan pandemik COVID-19 dan tiada rebat yang dituntut untuk tempoh tersebut.
Kerjasama bersama Institusi Kewangan Islam SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 45 Pembiayaan Digital PMKS Inisiatif Bantuan Aspirasi Inisiatif Pembiayaan Digital PMKS merupakan cetusan idea SME Corp. Malaysia yang dilancarkan secara rasmi pada suku ke-4 tahun 2021.
Inisiatif yang menggunakan platform digital ini amat dihargai oleh PMKS yang menghadapi cabaran kewangan dan berusaha untuk terus bertahan sewaktu krisis COVID-19 dan bencana banjir, kerana bantuan kewangan perniagaan dapat disalurkan kepada PMKS dengan mudah dan cepat.
MicroLEAP PLT, Pembekal Perkhidmatan Kewangan Berlesen dilantik bagi menawarkan pembiayaan jangka masa pendek yang berinovatif dan pantas untuk PMKS melalui platform digital dengan jangka masa pemprosesan yang lebih singkat berbanding pembiayaan konvensional dan pembayaran balik geran.

SME Corp. Malaysia telah menyumbang dana permulaan sebanyak RM10 juta bagi pelaksanaan inisiatif ini.
PMKS boleh memohon pembiayaan jangka pendek daripada nilai minimum sebanyak RM50,000 sehingga RM500,000 pada kadar pembiayaan tetap 2% setahun seperti berikut: i) Pembiayaan Modal Kerja bagi perbelanjaan pengoperasian bagi melancarkan aliran tunai PMKS; dan ii) Pembiayaan Penambahbaikan Perniagaan untuk mempercepatkan pertumbuhan PMKS untuk tujuan berikut sahaja: • Pembelian Mesin dan Peralatan; • Sistem, e-Dagang, e-Pembayaran dan Aplikasi ICT; • Pembungkusan dan Pembungkusan Produk; • Pengiklanan dan Promosi; dan • Sistem Pensijilan dan Pengurusan Kualiti.
ini telah dirasmikan oleh YBhg.

Dato’ Program Suriani Dato’ Ahmad, Ketua Setiausaha Kementerian Pembangunan Usahawan dan Koperasi (KUSKOP) pada 22 Disember 2021.

Sehingga bulan Februari 2022, dana tersebut telah digunapakai sepenuhnya dan berjaya memberikan manfaat kepada 31 PMKS daripada pelbagai sektor dan industri.

SME Corp. Malaysia dalam usaha berterusan untuk memperkasakan PMKS yang terkesan dengan pandemik COVID-19 telah memberi bantuan melalui penyelesaian pembiayaan secara digital.
Perjanjian Kerjasama bersama Aspirasi, iaitu penyedia perkhidmatan pembiayaan digital di bawah Axiata Digital, adalah penting bagi merapatkan jurang kewangan serta membantu PMKS yang kurang mendapat bantuan untuk menggunapakai teknologi ketika negara sedang menuju ke arah ekonomi digital.
Kerjasama ini memberi manfaat kepada perusahaan mikro di Malaysia dan melalui Aspirasi Assist, perusahan mikro boleh mendapatkan pembiayaan patuh syariah bermula dari RM1,000 hingga RM20,000 dengan syarat yang memudahkan seperti tempoh penangguhan bayaran selama enam (6) bulan, kadar keuntungan serendah 0.5% sebulan dan pemohon yang diluluskan akan menerima pembiayaan dalam tempoh masa 48 jam.
Aspirasi Assist juga menyediakan insurans mikro sebagai faedah tambahan untuk melindungi pemohon yang telah diluluskan.

Perjanjian Kerjasama bersama Aspirasi ... penting bagi merapatkan jurang kewangan serta membantu PMKS yang kurang mendapat bantuan untuk menggunapakai teknologi ketika negara sedang menuju ke arah ekonomi digital.
46 Sesi Webinar bagi Pembiayaan Alternatif Lapan (8) sesi Webinar Pembiayaan Alternatif telah dilaksanakan oleh SME Corp. Malaysia di bawah seliaan Kementerian Pembangunan Usahawan dan Koperasi (KUSKOP) dan kerjasama daripada pelbagai rakan strategik iaitu: i ii Satu (1) sesi webinar Pembiayaan Alternatif sebagai Sumber Pembiayaan Terkini PKS bersama Axiata Digital Capital (Aspirasi) dianjurkan pada 2 Julai 2021 bersempena Minggu PKS Kebangsaan 2021; Empat (4) sesi webinar “eBizStart 2021” bersama Moneysave Sdn.
Bhd.
pada: a) 16 Jun 2021; b) 18 November 2021; c) 25 November 2021; dan d) 16 Disember 2021 iii Siri Webinar KUSKOP: a) “Majukan Perniagaan Anda dengan Padanan Ramai (Crowdfunding)” pada 11 November 2021; b) “Peluang Pembiayaan dan Pelaburan melalui Crowdfunding” pada 18 November 2021; dan c) “Crowdfunding sebagai Pemacu Pembangunan PKS” pada 25 November 2021 Sesi webinar ini secara keseluruhannya telah berjaya memberikan informasi terkini berkenaan pembiayaan alternatif sebagai opsyen kepada pembiayaan konvensional sedia ada yang mana telah berjaya memanfaat seramai 3,537 PMKS.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 47 AKSES KEPADA PASARAN Program Rantaian Glokal PKS (GLOSMEP) Diperkenalkan pada tahun 2021, Program Rantaian Glokal PKS (GLOSMEP) ialah platform bersepadu untuk PMKS dan rakan kongsi niaga memulakan perbincangan, membuat tawaran yang berpotensi dalam mengakses pasaran domestik, serta rantaian bekalan dan nilai global.
Program ini merupakan satu inisiatif strategik, diilhamkan oleh SME Corp. Malaysia dalam usaha berterusan bagi memacu PMKS, terutamanya apabila perniagaan baru mula bertapak dalam senario normal baharu.
Program tersebut mempunyai tiga (3) objektif, iaitu: 1 Memberikan pendedahan kepada PMKS mengenai peluang pasaran di dalam dan di luar negara 2 Menyediakan platform untuk membantu menghubungkan perniagaan antara PMKS dengan syarikat besar di dalam dan di luar negara 3 Meningkatkan peluang PMKS untuk memasarkan produk dan perkhidmatan kepada syarikat besar di dalam dan di luar negara Pelbagai aktiviti telah dianjurkan di bawah GLOSMEP bagi memenuhi objektif program yang terdiri daripada: Perkongsian maklumat mengenai peluang pasaran di Malaysia dan pasaran antarabangsa melalui aktiviti seminar atau webinar dengan syarikat PMKS Pembangunan rangkaian maya dan platform pemadanan perniagaan untuk membantu PMKS mempromosikan produk dan perkhidmatan mereka kepada syarikat besar Meningkatkan potensi produk dan perkhidmatan PMKS menjadi sebahagian daripada rantaian bekalan syarikat besar 48 Padanan Perniagaan Maya (MatchMe) ii) Memberikan capaian untuk memilih syarikat yang Platform MatchMe adalah salah satu komponen utama di bawah GLOSMEP yang telah diperkenalkan pada bulan Jun 2021 dalam usaha untuk terus memudahkan capaian PMKS kepada pasaran dalam norma baharu.
Dengan tujuan untuk menghubungkan perniagaan di seluruh dunia melalui rangkaian dan padanan perniagaan secara maya, MatchMe mempunyai tiga (3) ciri utama: i) Pameran produk atau perkhidmatan; ii) Capaian kepada pangkalan data yang luas dan aktif dari dalam dan luar negara; dan iii) Temujanji dengan syarikat secara satu dengan satu dalam talian.
Untuk membolehkan PMKS menggunakan platform ini, SME Corp. Malaysia menganjurkan webinar perkongsian maklumat dan tutorial untuk membantu mereka memanfaatkan platform maya ini.
MatchMe juga: i) Menyediakan untuk mempromosikan dan memasarkan produk dan perkhidmatan ke pasaran tempatan dan antarabangsa; peluang berpotensi sebagai rakan kongsi perniagaan; iii) Menghubungkan PMKS dengan rakan kongsi perniagaan yang berpotensi secara maya; iv) Menjimatkan masa dan kos serta memudahkan aktiviti pemadanan perniagaan berbanding dengan pemadanan yang dibuat secara konvensional; dan v) Platform ini boleh diakses pada bila-bila masa dan di mana-mana jua.
Sejak penubuhannya sehingga 31 Disember 2021, sebanyak 851 PMKS serta 157 syarikat multinasional (MNC) dan syarikat besar dari Malaysia dan luar negara telah menyertai sesi pemadanan perniagaan maya yang dijalankan melalui platform ini dan berjaya menjana potensi jualan sebanyak RM25.83 juta.
Perkembangan baharu ini pastinya menunjukkan hakikat bahawa pandemik COVID-19 secara tidak langsung telah membantu mempercepat transformasi digital PMKS Malaysia, sebagai contoh, ia membolehkan mesyuarat perniagaan jarak jauh yang produktif dan cekap dilaksanakan bagi mendapatkan pelanggan baharu dan mengembangkan rangkaian perniagaan.

juga antarabangsa boleh Pembeli mendapatkan produk dan perkhidmatan PMKS Malaysia dengan mudah melalui platform MatchMe.
tempatan dan Sehingga 31 Disember 2021, sebanyak 851 PMKS serta 157 syarikat multinasional (MNC) dan syarikat besar dari Malaysia dan luar negara telah menyertai sesi pemadanan perniagaan maya.
23 - 26 Ogos 2021 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 49 Webinar Selain itu, SME Corp. Malaysia juga bekerjasama dengan penghubung pasaran untuk memanfaatkan pengetahuan dan rangkaian perniagaan mereka serta lokasi geografi tertentu bagi membantu PMKS mencapai pasaran yang lebih luas dan lebih baik.
Untuk tujuan ini, sebanyak enam (6) webinar telah dianjurkan pada tahun 2021 bagi meningkatkan kesedaran PMKS mengenai peluang capaian pasaran dan selok-belok perniagaan, termasuklah pasaran domestik tertentu seperti pasar raya besar dan stesen minyak serta pasaran antarabangsa, iaitu Amerika Syarikat, Perancis dan China.
Webinar bertajuk “Menelusuri Gelombang RCEP ke China” juga telah dianjurkan pada bulan Ogos 2021 tentang bagaimana untuk berkongsi pandangan PMKS boleh mendapat manfaat terkini daripada Perjanjian Perdagangan Bebas (FTA), dengan Malaysia telah bersedia untuk menjadi penandatangan ke-12 Perkongsian Ekonomi Menyeluruh Serantau (RCEP), yang akan berkuat kuasa pada 18 Mac 2022.
Melalui RCEP, PMKS Malaysia dapat memanfaatkan peluang yang dibawa oleh FTA terbesar di dunia memandangkan RCEP meliputi 15 buah negara dengan 2.2 bilion atau hampir satu pertiga (29.5%) penduduk dunia.

Dengan latar belakang ini, SME Corp. Malaysia akan terus memudahkan capaian PMKS Malaysia kepada pasaran luar melalui pengukuhan kerjasama dengan pelbagai pihak berkepentingan daripada sektor awam dan swasta serta pertubuhan bukan kerajaan, demi manfaat PMKS Malaysia.
50 TEKNOLOGI DAN INOVASI Inclusive SME Ecosystem (I-SEE) Program Inclusive SME Ecosystem atau lebih dikenali sebagai I-SEE adalah kesinambungan daripada Program Berimpak Tinggi 6 (HIP 6) – Program Inovasi Inklusif.

I-SEE merupakan inisiatif HIP 6 yang berterusan, bagi menambah baik dan memperluas capaian sesetengah aspek HIP 6.
Objektif utama program i-SEE adalah untuk membolehkan dan mengukuhkan transformasi penduduk luar bandar (B40) dan menambah baik ekosistem perniagaan dalam dan luar bandar serta mengurangkan kesan COVID-19 ke atas industri dengan meningkatkan lagi penghasilan produk dan perkhidmatan inovasi di Malaysia.

SME Corp. Malaysia menjayakan program I-SEE bersama- sama Yayasan Inovasi Malaysia (YIM) sebagai agensi pelaksana.
Beberapa kaedah penyebaran produk inovasi di bawah program I-SEE telah dilaksanakan seperti NGO@Makerthon, Perusahaan Sosial (Social Enterprise), Perindustrian Komuniti Luar Bandar, Pelesenan Produk dan Pengkomersialan oleh pihak swasta dan agensi kerajaan.

Pada tahun 2021, sebanyak 20 syarikat telah mendapat kelulusan bantuan kewangan berjumlah RM2.5 juta.
Bantuan program I-SEE dikategorikan kepada empat (4) model perniagaan, iaitu: i. Inovator-Model Usahawan Geran maksimum RM200,000.00 untuk: a. Carian pendaftaran IP; b. Reka bentuk Konsep; sebanyak c. Pembangunan Prototaip; d. Pengujian dan Pengesahan Produk, Pengujian Projek Rintis dalam kalangan pengguna; dan e. Pensijilan bagi Pematuhan.

Selain itu, terdapat juga sokongan tambahan yang diberikan dalam Kawal Selia, Latihan Inovasi dan Pembangunan Usahawan dalam kalangan komuniti.

ii.
ii.

Model Pemboleh Komuniti Geran maksimum sebanyak RM50,000, untuk inovasi yang memberi manfaat kepada komuniti.

Skop geran termasuk kos Pembangunan Produk, Reka Bentuk Industri, Pengujian Rintis dan Latihan Penggunaan.

iii.

Model Pelesenan Khas untuk inovator yang tidak berhasrat untuk menjadi usahawan, tetapi bersedia untuk melesenkan inovasi mereka kepada pihak yang berminat produk.
Geran maksimum sebanyak RM50,000 untuk kegunaan pendaftaran IP, Penghasilan Prototaip Komersial dan Reka Bentuk Industri dan kos bagi Pensijilan Pematuhan Piawaian, dan Proses Kawal Selia ditawarkan.

iv.

Model Geran IP Kemudahan kewangan sebanyak RM10,000 untuk pendaftaran IP, Paten, Tanda Dagang, Hak Cipta, Reka Bentuk Industri, Reka Letak, dan Petunjuk Geografi.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 51 Portal MalaysiaBiz: Portal Pendaftaran dan Pelesenan Perniagaan Setempat Portal MalaysiaBiz yang dilancarkan pada Disember 2020 merupakan gerbang tunggal bagi memudahkan pendaftaran perniagaan dan permohonan lesen ini bertujuan untuk secara dalam talian.

Portal menggalakkan penubuhan perniagaan baharu dan meningkatkan pemformalan syarikat dengan mewujudkan persekitaran yang mesra peniaga bagi meningkatkan daya saing negara.
Portal MalaysiaBiz dibangunkan oleh Unit Pemodenan Tadbiran dan Perancangan Pengurusan Malaysia (MAMPU) pada tahun 2016 sebagai salah satu program berimpak tinggi di bawah Pelan Induk PKS (2012-2020).

Portal ini kemudiannya diterajui oleh Kementerian Pembangunan Usahawan dan Koperasi (KUSKOP) pada Disember 2020 dan seterusnya diambil alih oleh SME Corp. Malaysia pada Mei 2021.
Sehingga kini, terdapat hampir 3,000 maklumat mengenai pelesenan dan pendaftaran di peringkat persekutuan, negeri dan pihak berkuasa tempatan daripada 6 badan pendaftar dan 518 pihak berkuasa melesen yang telah dimuat naik ke Portal, meliputi sejumlah 1,174 aktiviti perniagaan.

Daripada jumlah tersebut, 6 badan pendaftar dan 66 pihak berkuasa melesen telah disepadukan melalui Portal.

PMKS boleh mengakses perkhidmatan Portal MalaysiaBiz melalui lima (5) langkah mudah iaitu: i. Mendaftar ID Pengguna; ii.
Membuat carian pendaftaran dan/ atau pelesenan peniagaan; iii.

Membuat pemohonan pendaftaran dan/atau pelesenan peniagaan; iv.

Membuat semakan status permohonan; dan v. Kelulusan.

Portal MalaysiaBiz merupakan salah satu inisiatif Kerajaan dengan menyediakan akses lebih baik kepada perkhidmatan dalam talian bagi merealisasikan agenda Kerajaan Digital.
Portal MalaysiaBiz turut menyediakan kemudahan pembelian data perniagaan melalui MyBiz-Data dari Suruhanjaya Syarikat Malaysia (SSM), carian lesen, e-Support helpdesk, Myinquiry maklum balas dan sebagainya.

interaktif 52 Program Pendigitalan PMKS Pelan Tindakan Ekonomi Digital Malaysia dalam Rancangan Malaysia Kedua Belas, 2021-2025 (RMKe-12) telah menggariskan usaha untuk mempercepat kemajuan Malaysia sebagai sebuah ekonomi maju dari segi teknologi ke arah kemakmuran dalam semua sektor ekonomi.
Program Pendigitalan NetSuite untuk PMKS menyediakan pakej bantuan bersepadu yang merangkumi bantuan kewangan dan khidmat nasihat untuk melahirkan PMKS yang dinamik, berdaya saing, mampan dan produktif melalui pendigitalan.

Pelaksanaan program adalah melalui penerapan dan pembangunan teknologi, yang merangkumi khidmat nasihat kepada PMKS dan memastikan syarikat bersedia untuk melaksanakan pendigitalan dalam sistem pengeluaran dan operasi syarikat.
Pada tahun 2021, 7 syarikat telah diluluskan amaun berjumlah RM1.44 juta untuk Program Pendigitalan PMKS melalui pengadaptasian Perisian Perniagaan dan Perisian Pengurusan Perniagaan NetSuite dengan menggunapakai dana di bawah Business Accelerator Programme (BAP) 3.0.

Bagi meningkatkan kesedaran PMKS dalam pendigitalan, sesi Technology Need Pitching (TNP) telah dilaksanakan secara dalam talian semasa SMIDEX 2021 dengan tema PMKS: Bangkit Kembali!

dari 1 hingga 23 Disember 2021.


Sesi ini menyediakan platform untuk PMKS memahami trend teknologi dan inovasi yang memerlukan PMKS menyesuaikan operasi perniagaan selepas COVID-19.

Sesi ini juga menyediakan ruang kepada PMKS untuk mengenal pasti keperluan teknologi dalam operasi perniagaan mereka.

PMKS turut berpeluang untuk menerokai pilihan bantuan kewangan bagi mendapatkan perkhidmatan yang ditawarkan oleh penyedia teknologi.
Program Peningkatan Industri Strategik dan PKS Berprestasi Tinggi (PRESTIGE) Kesebelas Program Peningkatan Industri Strategik dan PKS Berprestasi Tinggi (PRESTIGE) di bawah Rancangan (RMKe-11) menyasarkan Malaysia pembangunan PKS dalam sektor strategik.

Objektif program ini adalah untuk meningkatkan produktiviti PKS dalam sektor strategik melalui penyesuaian teknologi, pengurusan kualiti serta peningkatan dalam akses pasaran bagi meningkatkan jualan dan peluang pekerjaan.
Secara tidak langsung, program ini dapat menghasilkan PKS yang berdaya saing di pasaran global.

Antara sektor yang diberikan tumpuan ialah: i) Peranti Perubatan; ii) Bioteknologi; iii) Aeroangkasa; iv) Rel; v) Gaharu; vi) LED/SSL; dan vii) Minyak dan Gas.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 53 Program ini diteruskan di bawah Rancangan Malaysia Kedua Belas (RMK-12) yang meliputi tahun 2021-2025 dan melibatkan sektor berikut yang semuanya adalah selaras dengan Dasar Keusahawanan Nasional (DKN 2030): i) Dron; dan ii) Elektrikal dan Elektronik.
Di bawah Program PRESTIGE, tumpuan aktiviti adalah kepada pembangunan kapasiti dan penyediaan bantuan kewangan dalam meningkatkan keupayaan PKS terpilih melalui pendekatan yang berikut: i) Adaptasi Teknologi Meningkatkan keupayaan teknologi PKS yang terlibat melalui penerapan aktiviti berkaitan IR4.0 dalam meningkatkan keupayaan dan kecekapan pengeluaran; ii) Transformasi Organisasi Membangunkan pelan tindakan untuk PKS menangani jurang yang dikenal pasti dan menyokong perubahan dalam proses perniagaan menerusi dasar yang ditambah baik, prosedur dan proses berdasarkan keperluan industri tertentu; dan iii) Strategi Pemasaran Membangunkan aktiviti pemasaran dan strategi untuk mengembangkan pasaran PKS sehingga ke peringkat global.
Skop bantuan yang ditawarkan adalah dalam bentuk geran padanan dengan jumlah maksimum RM400,000 untuk setiap PKS yang terpilih mengikut sektor.

Sejak dilaksanakan di bawah Rancangan Malaysia Ke-11, 137 PKS telah memperoleh manfaat daripada program ini, dengan majoriti syarikat yang menyertainya menunjukkan pertumbuhan dari segi nilai jualan serta perkembangan pasaran global.
Antara pencapaian Program ini adalah seperti yang berikut: i) Tujuh (7) daripada sepuluh (10) PKS yang telah Inisiatif BioNext mencatatkan purata menyertai pertumbuhan jualan lebih daripada 20% dari tahun 2016 hingga 2018; ii) Daripada 30 PKS yang menyertai Inisiatif Pembuatan Aeroangkasa di bawah program ini, 27 PKS telah memperoleh pensijilan AS9100 yang membolehkan mereka menjadi sebahagian daripada rantaian bekalan global untuk pembuatan komponen aeroangkasa.
PKS ini menyumbangkan peningkatan dalam pendapatan jualan sebanyak 49%, daripada RM18.1 juta pada tahun 2017 kepada RM26.9 juta pada tahun 2019; dan tahun iii) Sektor LED/SSL telah merekodkan jualan yang amat peningkatan tahun memberangsangkan dari peratusan dengan ke peningkatan tertinggi ialah sebanyak 32% berbanding dengan tahun sebelumnya.
Syarikat yang berada di bawah inisiatif ini telah berjaya menembusi pasaran antarabangsa ke negara Myanmar, Thailand dan juga Vietnam, dan rekod jualan eksport tertinggi yang direkodkan adalah sebanyak RM13.2 juta.

Bagi Program PRESTIGE yang dilaksanakan pada tahun 2021, sebanyak sepuluh (10) PKS telah menyertai program ini di bawah industri teknologi Dron dengan peruntukan kewangan berjumlah RM4 juta.
54 Majlis Pelancaran Program Peningkatan Industri Strategik dan PKS Berprestasi Tinggi (PRESTIGE) dalam Industri Rel (RIDP) 19 April 2021, di SME Corp Malaysia Sebanyak lapan (8) perusahaan kecil dan sederhana (PKS) telah dipilih untuk menyertai Program Pembangunan Industri Rel (RIDP) anjuran Kementerian Pembangunan Usahawan dan Koperasi (KUSKOP) melalui SME Corp. Malaysia dan Kementerian Pengangkutan Malaysia (MOT) melalui National Rail Centre of Excellence (NRCOE) dan Technology Depository Agency Berhad.
Program ini bertujuan untuk mengenalpasti dan meningkatkan keupayaan PKS berpertumbuhan tinggi di dalam sektor rel selaras dengan Dasar Pengangkutan Negara 2019-2030 (DPN 2019-2030) dan Dasar Keusahawanan Nasional 2030 (DKN 2030).

Syarikat yang terpilih menyertai program ini terlibat dalam pembuatan dalaman gerabak keretapi, panel gentian kaca, pintu dan gangway, serta menyediakan perkhidmatan penyelenggaraan gerabak keretapi, sistem rel dan sistem brek.
komponen Pada hari tersebut telah berlangsung majlis penyerahan surat lantikan kepada lapan (8) PKS terpilih.

Turut diadakan adalah Majlis Pertukaran Memorandum of Agreement (MoA) di antara Encik Rizal bin Nainy, Ketua Pegawai Eksekutif SME Corp. Malaysia dan Dr. Sharoul Jambari, Ketua Pegawai Eksekutif Technology Depository Agency Berhad (TDA).

Majlis ini disaksikan oleh Yang Berhormat Dato’ Sri Dr. Wan Junaidi Tuanku Jaafar, Menteri Pembangunan Usahawan Dan Koperasi dan Yang Berhormat Datuk Seri Ir.
Dr. Wee Ka Siong, Menteri Pengangkutan Malaysia.

Majlis Perasmian Bangunan Baharu Kaizan Aero Manufacturing Sdn.

Bhd.

26 April 2021, di Kaizan Aero Manufacturing Sdn.

Bhd., Taman Perindustrian Puchong, Selangor Syarikat Kaizan Aero Manufacturing Sdn.

Bhd merupakan salah satu PKS yang dibimbing di bawah Program PRESTIGE: Aerospace Manufacturing Initiative (AMI) yang terlibat di dalam pembuatan komponen aeroangkasa.
Syarikat mengeluarkan produk galley refrigeration system dan tubing fabrication bagi pesawat komersil yang di keluarkan oleh Airbus dan Boeing.
Melalui inisiatif di bawah program ini, syarikat telah berjaya mendapat persijilan NADCAP dan AS9100 Revision D yang merupakan sistem pengurusan kualiti mengikut piawaian antarabangsa, meningkatkan keupayaan produktiviti di dalam pengeluaran dengan teknologi, meningkatkan penambahan keupayaan kapasiti pengeluaran dengan purata peningkatan sebanyak 120% dan memberikan peluang pekerjaan kepada rakyat tempatan.
Jumlah pekerja adaptasi SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 syarikat juga telah meningkat dari sembilan (9) orang pekerja pada 2018 kepada 24 orang pekerja pada tahun 2020 termasuk tujuh (7) graduan kejuruteraan dan teknikal tempatan.

PROGRAM DAN INISIATIF TERAS 55 Majlis perasmian turut dihadiri oleh YBhg.
Dato’ Suriani Dato’ Ahmad, Ketua Setiausaha Kementerian Pembangunan Usahawan dan Koperasi, YBhg Dato’ Sri Syed Hussien Pengerusi Al SME Corp. Malaysia, Encik Rizal Nainy, Ketua Pegawai Eksekutif SME Corp. Malaysia dan Encik Lee Jack Son, Pengarah Urusan Kaizan Aero Manufacturing Sdn Bhd.
Habshee, PRESTIGE Gallery Walk di SMIDEX Showcase 2021 7 Disember 2021, di Kuala Lumpur Convention Centre Aktiviti Gallery Walk telah diadakan pada 7 Disember 2021 yang dijalankan secara fizikal pada hari perasmian SMIDEX dengan kehadiran YAB Dato’ Sri Ismail Sabri bin Yaakob, Perdana Menteri Malaysia.

YAB Perdana Menteri telah berjalan melalui perkarangan ruang legar di Kuala Lumpur Convention Centre (KLCC) dan bertemu dengan PKS yang menyertai Gallery Walk.
Sebanyak 20 syarikat PKS telah terpilih menyertai Gallery Walk.

Para PKS yang terlibat adalah terdiri daripada peserta pelbagai program dan inisiatif anjuran SME Corp. Malaysia.
Dengan penyertaan PKS di dalam Gallery Walk ini, PKS telah mendapat peluang bertemu dengan YAB Perdana Menteri secara bersemuka dan: i) Memperkenalkan produk dan perkhidmatan yang dipamerkan di skrin LED sepanjang Gallery Walk; ii) Mempamerkan profil syarikat beserta perkembangan dan pencapaian syarikat sejak ditubuhkan sehingga sekarang; dan iii) Memberikan akses kepada pelawat industri dan awam untuk mengenali syarikat dengan lebih mudah dengan maklumat yang dipaparkan di dalam skrin LED.
56 PROGRAM PEMBANGUNAN USAHAWAN BUMIPUTERA Program Peningkatan Enterpris Bumiputera (BEEP) Program Peningkatan Enterpris Bumiputera (BEEP) yang dilaksanakan bertujuan untuk menyediakan bantuan bersepadu kepada PKS Bumiputera sebagai usaha mencipta perusahaan yang berdaya maju dan berdaya tahan.

Pada tahun 2021, SME Corp. Malaysia telah menyalurkan khidmat nasihat, kewangan teknikal dan bantuan kepada 315 usahawan Bumiputera di seluruh negara.
Program ini bertujuan mempertingkat saing usahawan PKS Bumiputera untuk terus berkembang di peringkat antarabangsa.

Syarikat bersaiz mikro, kecil dan sederhana yang terpilih adalah dinilai berasaskan sistem penilaian SME Corp. Malaysia, iaitu SCORE dan M-CORE.

tahap daya Perintah kawalan pergerakan ... tidak melunturkan semangat SME Corp. Malaysia untuk melaksanakan program TUBE.
SME Corp. Malaysia mengambil inisiatif untuk beralih daripada mengadakan latihan secara fizikal kepada latihan secara dalam talian, memendekkan tempoh latihan ... SME Corp. Malaysia menyediakan 90% geran padanan untuk perusahaan mikro, dengan perusahaan kecil diperuntukkan sebanyak 60%, manakala perusahaan sederhana pula sebanyak 50% atau maksimum RM500,000 yang dibayar secara timbal balik.
Program ini membantu PKS Bumiputera membina kapasiti mereka dengan menambah baik pembungkusan produk, membeli mesin dan peralatan bagi mempertingkatkan kualiti produk serta kecekapan pengeluaran dan melaksanakan kempen pemasaran dan promosi bagi mempertingkatkan itu, bantuan sewa premis pula disediakan secara eksklusif untuk usahawan belia.

jualan.
jualan.

Sementara Program Tunas Usahawan Belia Bumiputera (TUBE) Program Tunas Usahawan Belia Bumiputera (TUBE) yang telah diperkenalkan pada tahun 2014 ini adalah bertujuan untuk membina ketahanan diri dalam kalangan usahawan belia dalam mengendalikan perniagaan mereka, memupuk semangat keusahawanan dan bertindak sebagai platform bagi mencetuskan anjakan paradigma daripada seorang pekerja kepada pemilik perniagaan.
Program yang mempunyai tiga fasa ini juga bermatlamat untuk menggalakkan belia dalam lingkungan usia 18 hingga 30 tahun, termasuk graduan institusi pengajian tinggi, agar memilih untuk memulakan perniagaan sebagai sebuah kerjaya pilihan.
Di bawah Fasa Satu, para peserta dikehendaki menjalani latihan jasmani boot camp, diikuti dengan bengkel asas perniagaan di bawah Fasa Dua, sebelum mereka diberikan geran berjumlah sehingga RM15,000 berserta dengan khidmat nasihat melalui sistem buddy sepanjang tempoh dua belas bulan.
Bagi memperluas inklusiviti program tersebut, SME Corp. Malaysia telah melebarkan jangkauan program ini sejak tahun 2018 untuk turut meliputi golongan belia di bawah kategori B40, mereka yang tinggal di luar bandar, belia kelainan SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 57 upaya dan mereka yang diakui sebagai golongan Asnaf oleh pihak berkuasa agama Islam.
Perintah kawalan pergerakan yang telah dikuatkuasakan pada bulan Mac 2020 berikutan pandemik COVID-19 tidak melunturkan semangat SME Corp. Malaysia untuk melaksanakan program TUBE.

SME Corp. Malaysia mengambil inisiatif untuk beralih daripada mengadakan latihan secara dalam talian, memendekkan tempoh latihan kepada sepuluh (10) hari, dan merombak semula model kurikulum latihan kepada bentuk yang lebih praktikal dan mudah difahami.
latihan secara fizikal kepada ini, 6,625 Sehingga 31 Disember 2021, SME Corp. Malaysia berjaya mengendalikan sembilan (9) siri latihan TUBE yang melibatkan 6,782 orang belia Bumiputera.

Hasil daripada Program (98%) daripada mereka telah berjaya memulakan operasi perniagaan masing-masing dengan jualan terkumpul berjumlah RM135.7 juta.

Program ini juga telah berjaya menyediakan 11,767 peluang pekerjaan dengan setiap syarikat secara purata menyediakan satu peluang pekerjaan.
lebih daripada 58 Program Galakan Eksport Bumiputera (GEB) Program Galakan Eksport Bumiputera (GEB) yang dikendalikan bersama Majlis Amanah Rakyat (MARA) ini bertujuan untuk mendorong, membimbing dan melahirkan ramai PKS Bumiputera yang berkelayakan dan berprestasi tinggi serta berpotensi untuk meneroka pasaran antarabangsa.

Bagi tujuan ini, PKS yang memenuhi piawaian tinggi dan memperoleh penarafan SCORE yang diperlukan akan ditingkatkan dengan kapasiti dan daya saing yang diperlukan.
Setiap calon terpilih ditawarkan geran padanan berjumlah maksimum RM500,000 dan pinjaman mudah sehingga RM5 juta sebagai modal kerja yang diperlukan untuk mempertingkatkan produktiviti, membangunkan identiti jenama sendiri dan mendapatkan pensijilan serta pematuhan antarabangsa sebelum meneroka pasaran dunia.
standard Setiap calon terpilih ditawarkan geran padanan berjumlah maksimum RM500,000 dan pinjaman mudah sehingga RM5 juta sebagai modal kerja yang diperlukan untuk meningkatkan produktiviti, membangunkan identiti jenama sendiri serta memperoleh pensijilan dan pematuhan standard antarabangsa sebelum meneroka pasaran dunia.
GERAN PADANAN DAN PINJAMAN MUDAH DITAWARKAN KEPADA PKS BUMIPUTERA SEHINGGA 31 DISEMBER 2021 99 Jumlah keseluruhan pemohon yang diluluskan 75 Pemohon telah menerima geran padanan berjumlah RM7.96 juta 24 Pemohon ditawarkan pinjaman mudah (RM54.26 juta) RM62.22juta Nilai keseluruhan pinjaman Sehingga 31 Disember 2021, SME Corp. Malaysia telah meluluskan 99 permohonan PKS Bumiputera dengan jumlah pembiayaan keseluruhan bernilai RM62.22 juta dan daripada jumlah berkenaan, 75 pemohon yang diluluskan telah menerima geran padanan berjumlah RM7.96 juta.
Sementara itu, sebanyak 24 pemohon ditawarkan pinjaman mudah dengan nilai pinjaman keseluruhan sebanyak RM54.26 juta.

Mereka dijangka menembusi pasaran United Kingdom, Arab Saudi, Jepun, Australia dan Indonesia yang masih belum diterokai.

Sepanjang tahun 2021, SME Corp. Malaysia telah mengendalikan dua (2) sesi latihan pra-eksport secara dalam talian, yang telah disertai oleh 192 peserta PKS Bumiputera sebagai persiapan untuk memasuki pasaran eksport.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 59 PROGRAM PEMBANGUNAN PERUSAHAAN MIKRO Program Micro Connector Program Micro Connector merupakan salah satu inisiatif berterusan oleh SME Corp. Malaysia bagi membangunkan perusahaan mikro dan komuniti inklusif termasuk golongan wanita, belia, B40, Orang Asli, Orang Kelainan Upaya (OKU) dan lain-lain di negara ini.
Program ini bertujuan untuk menyediakan kemudahan bantuan tahap awal yang dipermudahkan untuk perusahaan mikro menubuhkan dan menjalankan perniagaan secara lebih cekap serta melatih komuniti inklusif untuk memperoleh kemahiran baharu bagi menjana pendapatan menerusi aktiviti keusahawanan.
Micro Connector dirancang untuk melengkapkan idea perniagaan terkini dalam ekosistem permulaan perniagaan (start-up) dengan memberi fokus kepada segmen pasaran baharu dan akan datang serta kreativiti dalam menjalankan perniagaan, terutamanya untuk usahawan yang bercita-cita tinggi.

menjalankan perniagaan dengan berkesan dan cekap.


Bagi komuniti inklusif pula, mereka akan beroleh manfaat daripada Bantuan Kemahiran Kompetitif yang akan membantu mereka memulakan aktiviti perniagaan dan meningkatkan pendapatan isi rumah.

SME Corp. Malaysia melantik Rakan Penyedia Perkhidmatan yang terdiri daripada syarikat dan organisasi yang menawarkan program dalam bidang tumpuan terpilih.
SME Corp. Malaysia menyediakan bantuan dalam bentuk pembiayaan kos penyertaan bagi program kemahiran kompetetif dan sokongan teknikal sehingga 90% yang disalurkan menerusi Rakan Penyedia Perkhidmatan.
Di bawah Program ini, perusahaan mikro disediakan dengan Bantuan Teknikal untuk memudahkan mereka Sejak dilaksanakan bermula pada tahun 2019, SME Corp. Malaysia telah 60 37 program menawarkan yang melibatkan pelbagai pakej bantuan dan program kemahiran yang memberi fokus kepada beberapa bidang tumpuan seperti berikut: • Penerapan Digitalisasi, e-Dagang, e-Pembayaran dan Aplikasi ICT (22 program / 17,205 peserta) • Kesihatan dan Gaya Hidup (4 program / 1,240 peserta) • Penjagaan Antenatal dan Posnatum (1 program / 300 peserta) • Kraf Kreatif (3 program / 187 peserta) • Mesin dan Peralatan (2 program / 85 peserta) • Perkhidmatan Penyedia Makanan (2 program / 74 peserta) • Penjagaan Awal Kanak-kanak (2 program / 60 peserta) • Pertanian Pintar (1 program / 20 peserta) Program Women Netpreneur Sehingga 31 Disember 2021, seramai 19,171 peserta yang terdiri daripada komuniti inklusif dan perusahaan mikro telah berjaya memperoleh manfaat daripada program ini.
Pada tahun 2021, sebanyak 31 program telah dilaksanakan menerusi 26 Rakan Penyedia Perkhidmatan yang dilantik yang telah memberi manfaat kepada 11,148 peserta.

Daripada jumlah keseluruhan peserta ini, 49% adalah terdiri daripada golongan wanita, manakala 26% adalah golongan belia.
Impak positif yang dapat dilihat daripada pelaksanaan program ini ialah kesemua peserta telah mencapai peningkatan 100% dari segi penjanaan pendapatan dengan purata peningkatan pendapatan antara 20% - 50% berbanding sebelum menyertai program ini.

Selaras dengan norma baharu pasca COVID-19 termasuk dalam bidang perniagaan, program ini telah berjaya membantu seramai 87% daripada peserta untuk mengadaptasi pendigitalan perniagaan.
Program Women Netpreneur yang dianjurkan kerjasama Gorgeous Geeks, dengan adalah disokong oleh SME Corp. Malaysia menerusi Program Micro Connector.

Matlamat Women Netpreneur adalah untuk menyediakan peluang kepada usahawan wanita dan perusahaan mikro untuk meningkatkan kemahiran dalam teknologi digital, terutamanya yang berkaitan dengan e-dagang dan seterusnya menjalankan perniagaan mereka secara dalam talian.
Program ini juga bertujuan untuk memastikan bahawa usahawan wanita terus berada dalam landskap perniagaan yang berkembang dan terlibat dalam penerapan teknologi bagi meningkatkan produktiviti.

Ini telah menjadi suatu keperluan dalam era pasca-pandemik dengan kemunculan e-dagang sebagai pemacu dalam perniagaan.

Walaupun negara masih dibelenggu dengan cabaran pandemik COVID-19 sepanjang tahun 2021, Women Netpreneur berjaya dilaksanakan secara maya.
Sebanyak lima (5) sesi telah diadakan bagi penerapan e-dagang yang merangkumi beberapa modul seperti pemasaran digital, e-pembayaran, platform e-dagang dan perkongsian kisah kejayaan usahawan wanita dalam perniagaan digital, yang telah memberi manfaat kepada seramai 653 usahawan wanita.
Maklum balas yang diterima daripada para peserta Women Netpreneur adalah menggalakkan dengan 80% daripadanya telah melanggan platform e-dagang seperti Shopee, Facebook dan PrestoMall untuk memulakan perniagaan dalam talian mereka sendiri.

Di samping itu, 55% daripada peserta bersedia untuk melabur bagi memulakan perniagaan e-dagang.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 61 Program Women Netpreneur • Untuk menyediakan peluang kepada usahawan wanita dan perusahaan mikro bagi memperoleh kemahiran baharu, terutamanya berkaitan e-dagang dan seterusnya menjalankan perniagaan secara dalam talian • Untuk memastikan usahawan wanita sentiasa berada dalam kitaran landskap perniagaan baharu - megatrend yang bakal mengubah kaedah perniagaan global menerusi adaptasi teknologi dalam perniagaan Sesi Adaptasi: Tinjauan mengenai Perdagangan & Pendaftaran Sesi perkongsian mengenai alat dan teknologi dalam bidang e-perniagaan Bengkel e-Dagang oleh Penyedia Platform Penjelasan mengenai proses pewujudan platform e-dagang untuk memulakan jualan secara dalam talian Bengkel Perniagaan dalam Talian Memfokuskan kepada perniagaan tradisional bagi penambahbaikan Kanvas Model Perniagaan MODUL LATIHAN (Ogos - November 2021) Modul 1 Tinjauan / Perkongsian Netpreneur Modul 2 Platform e-Dagang Modul 3 Platform Media Sosial Modul 4 Pemasaran Digital Modul 5 Logistik / Pembungkusan Modul 6 e-Pembayaran / Dompet Sebuah program anjuran: Gorgeous Geeks BILANGAN USAHAWAN WANITA MEMPEROLEH MANFAAT DARIPADA PROGRAM WOMEN NETPRENEUR 2017 - 2021 2017 : 609 Peserta 2018/2019 : 983 Peserta 2020 : 495 Peserta 2021 : 653 Peserta JUMLAH : 2,740 Peserta Maklum Balas Peserta • 80% melanggan platform e-dagang (Shopee, Facebook dan PrestoMall) • 55% bersedia untuk melabur lebih daripada RM500 bagi memulakan perniagaan secara dalam talian 62 n a a y a j e K h a s
 i K Program Women Netpreneur 2021: Kisah Kejayaan Peserta Puan Cecelia Anak Lagak ialah pengasas syarikat CC Beauty yang beroperasi di Bintulu, Sarawak.
Syarikat ini mengeluarkan produk penjagaan kulit di bawah jenama ‘CC Beauty’.

Dengan menyertai Program Women Netpreneur 2021, Puan Cecelia telah berjaya memperluas jaringan perniagaannya dan meningkatkan jualan menerusi platform e-dagang.

1 2 Puan Ain Zakiah Zaharullail merupakan seorang penjual semula produk penjagaan kulit.
Menerusi Program Women Netpreneur 2021 beliau telah mempelajari cara untuk menyediakan kandungan di media sosial bagi mempromosikan produknya secara meluas selain memperoleh pengetahuan mengenai cara untuk mereka laman sesawang bagi menarik lebih ramai pelanggan.

Beliau juga telah berjaya membuka akaun di platform Lazada bagi mempromosikan produk.

Maklum balas yang meyakinkan daripada Puan Ain ialah terdapat peningkatan ketara dalam jualannya.
Walaupun dalam situasi pandemik COVID-19, beliau masih mampu mengekalkan momentum perniagaannya.

3 Puan Anne Marie Kim adalah seorang Pengurus Pentadbiran, BT Metal (M) Sdn.

Bhd.

yang merupakan syarikat pengeluar produk tembaga kromium yang beroperasi di Puchong Utama, Selangor.

Setelah menyertai Program Women Netpreneur 2021, beliau telah berjaya meningkatkan jualan dan menimba ilmu pemasaran digital bagi mempromosikan perniagaan menerusi platform dalam talian.
Beliau juga mempelajari kaedah yang berkesan untuk menjenamakan produk dan menimba pengalaman daripada usahawan lain menerusi sesi perkongsian semasa Program ini.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF CAPAIAN Hab PKS Hab PKS merupakan platform pusat maklumat sehenti bagi Perusahaan Mikro, Kecil dan Sederhana (PMKS) untuk memperoleh pengetahuan mengenai perniagaan, mempelajari serta mendapatkan maklumat penting mengenai permulaan perniagaan, akses kepada pasaran, pembangunan modal insan, sumber kewangan, perkembangan terkini industri dan pelbagai aspek perniagaan yang lain.
terbaik perniagaan, amalan Melalui platform ini, SME Corp. Malaysia membantu untuk melengkapkan PMKS dengan maklumat terkini dan pengetahuan yang tepat serta tertumpu bagi membantu pembangunan PMKS di Malaysia.

Pada mulanya, untuk memperolehi maklumat berkaitan dengan keusahawanan adalah terhad.

Namun demikian, menerusi Hab PKS, PMKS kini boleh mengakses maklumat yang berkaitan secara dalam talian dan juga dalam talian.
Untuk memastikan inisiatif ini meliputi PMKS di kawasan luar bandar, ‘Hab PKS Bergerak’ telah diwujudkan bagi membantu menyediakan khidmat nasihat perniagaan kepada PMKS yang berada di kawasan-kawasan ini.
Maklumat yang disediakan melalui platform ini tidak terhad kepada program yang dilaksanakan oleh SME Corp. Malaysia, tetapi juga program di bawah Kementerian Pembangunan Usahawan dan Koperasi (KUSKOP) serta agensi di bawah KUSKOP seperti TEKUN, INSKEN, Suruhanjaya Koperasi Malaysia (SKM), Institut Koperasi Malaysia (IKM), SME Bank, Bank Rakyat, UDA Holdings, Perbadanan Nasional Berhad (PERNAS), Perbadanan Usahawan Nasional Berhad (PUNB), dan Amanah PROGRAM DAN INISIATIF TERAS 63 Ikhtiar Malaysia (AIM).
Berikut adalah perkhidmatan dan pusat maklumat berkaitan yang terdapat di Hab PKS: i) Khidmat nasihat perniagaan; ii) Pautan Hab PKS (kerjasama antara agensi Kerajaan dengan agensi yang lain); iii) Pocket Talk; iv) Pusat Maklumat (E-mel Info dan Talian Info); v) Pusat Sumber; vi) Galeri Produk PMKS; dan vii) Hab PKS Maya (Laman web SME Corp. Malaysia, Portal SMEinfo dan Portal MyAssist MSME) yang ingin mendapatkan PMKS khidmat nasihat secara dalam talian bersama kaunselor perniagaan SME Corp. Malaysia yang bertauliah boleh mendapatkan perkhidmatan ini secara percuma melalui ciri MeetME dengan melayari portal MyAssist MSME.
PKS sentiasa memastikan Hab penyebaran maklumat yang cepat, tepat dan menyeluruh kepada PMKS dan orang ramai melalui saluran fizikal dan maya seperti kaunter maklumat, reruai maklumat, e-mel info dan talian info.

Pada tahun 2021, lebih 30,000 PMKS dapat dicapai, melebihi sasaran bagi tahun 2021.
33,086 PMKS DICAPAI 3,669 pelawat dibantu 2,844 e-mel telah dijawab 25,981 panggilan dijawab 592 pelawat di reruai 12 program capaian 64 Minggu PKS merupakan inisiatif di bawah Majlis Pembangunan Usahawan dan PKS Kebangsaan (MPUPK) yang dipengerusikan oleh Yang Amat Berhormat Perdana Menteri.

Minggu PKS dianjurkan di seluruh negara setiap tahun pada bulan Jun, bermula pada tahun 2012.

Minggu ini bersempena dengan sambutan United Nation International MSME Day, pada 27 Jun setiap tahun.
... sebanyak 520 reruai disediakan di portal MyAssist MSME dengan 506 pempamer PKS, tujuh (7) selebriti, 45 Kementerian, Agensi dan Institusi Kewangan yang telah merekodkan 33,177 pengunjung.

Pelantar SMEinfo juga telah merekodkan 2,029 pelawat sepanjang Minggu PKS 2021 berlangsung.
Minggu PKS 2021 telah dirasmikan oleh Yang Amat Berhormat Perdana Menteri pada 30 Jun 2021 menerusi portal dikenali sebagai MyAssist MSME iaitu sebuah inisiatif yang merupakan sebahagian dari Pelan Jana Semula Ekonomi Negara (PENJANA) yang direka bentuk khusus untuk PKS.
Sebagaimana tahun sebelumnya, Minggu PKS Negara 2021 dianjurkan oleh SME Corp. Malaysia melalui kerjasama pelbagai pihak Kementerian, Agensi, dan pihak berkepentingan daripada sektor swasta, yang diadakan bermula 26 Jun sehingga 4 Julai 2021 secara maya.
Dengan tema “Mula Berdikit, Azam Melangit” Minggu PKS Negara adalah bertujuan untuk menghargai sumbangan PKS sebagai tunjang ekonomi negara, meningkatkan kesedaran, mempromosikan produk dan perkhidmatan PKS tempatan, serta memupuk budaya keusahawanan, di samping bertindak sebagai platform bagi menyebarkan maklumat baharu kepada PKS.

Sepanjang Minggu PKS, pelbagai acara diadakan, termasuklah pameran jualan, sesi padanan perniagaan, seminar, dan banyak lagi.
Selain mewujudkan jaringan perniagaan dan peluang pelaburan baharu, Minggu PKS Negara juga membolehkan PKS mendapat capaian dan kemudahan yang lebih besar kepada pembiayaan.

Menerusi portal MyAssist MSME, PKS dapat dibantu dalam isu yang berkaitan dengan: i. Penyediaan Khidmat Nasihat dan Maklumat Perniagaan; ii.

Bimbingan dan peluang pemasaran secara digital; iii.

Kemudahan Sokongan Teknologi dan Inovasi Perniagaan; iv.

Perkhidmatan Padanan Perniagaan; dan v. Inisiatif pelbagai saluran dalam talian.
Secara keseluruhan, penggunaan portal MyAssist MSME sepanjang Minggu PKS 2021 telah merekodkan 188 pengguna berdaftar dengan 33,177 pelawat melayari portal tersebut.

Sebanyak 73 sesi webinar telah diadakan SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 dengan 40,789 penonton, manakala untuk e-Pameran, sebanyak 520 reruai disediakan di portal MyAssist MSME dengan 506 pempamer PKS, tujuh (7) selebriti, 45 Kementerian, Agensi dan Institusi Kewangan yang telah merekodkan 33,177 pengunjung.
Portal SMEinfo juga telah merekodkan 2,029 pelawat sepanjang Minggu PKS 2021 berlangsung.

Menerusi portal MyAssist MSME, sesi MeetMe menyediakan khidmat nasihat perniagaan secara dalam talian telah membuka 352 slot sesi Khidmat Nasihat dan telah dikunjungi oleh 27 PKS yang bertanyakan maklumat berkaitan pembiayaan (e-commerce), pengurusan sumber manusia, harta intelek, operasi, pembungkusan dan beberapa perkara lain.
PROGRAM DAN INISIATIF TERAS 65 Menerusi portal MatchMe, sebanyak 52 sesi Pemadanan Perniagaan telah menjana potensi jualan berjumlah RM9.66 juta yang melibatkan 228 PKS dan 22 peneraju.

Antara yang terlibat semasa sesi MatchMe ialah: i. Hypermarket - Lulu Hypermarket, Segi Fresh, Lotus’s; ii.

Pasaraya tempatan - Pasaraya Smart Semambu, Pasaraya Irsyad Balok; iii.

Pattani ASEAN Mall, Pasaraya Koop Ummah, Pasaraya MIXO; iv.
Pasaraya TF Value Mart; v. Institusi kewangan, iaitu UOB, Bank Rakyat, CGC, SME Bank, Tekun; vi.

Rangkaian telekomunikasi - Celcom Axiata, TM One; dan vii.

Penyedia Logistik - Tapaw.

66 Portal MyAssist MSME Portal MyAssist MSME merupakan salah satu inisiatif di bawah Pelan Jana Semula Ekonomi Negara (PENJANA) yang diumumkan oleh Yang Amat Berhormat Perdana Menteri Malaysia pada 5 Jun 2020.
Pelancaran MyAssist MSME telah diadakan secara maya melalui Facebook Live pada 30 Jun 2021 sempena Minggu PKS 2021 oleh Yang Amat Berhormat Perdana Menteri Malaysia dan Yang Berhormat Menteri KUSKOP.
MyAssist MSME merupakan satu inisiatif Kerajaan untuk: i) Membantu PMKS mendapatkan maklumat dan khidmat nasihat bagi menjalankan perniagaan terutamanya pasca COVID-19; dan ii) Membantu PMKS dengan menawarkan khidmat nasihat perniagaan dan mendapatkan maklumat mengenai kemudahan kewangan, inovasi fasilitasi perdagangan, sokongan teknologi dan penyebaran maklumat melalui sesi webinar.
Komponen MyAssist MSME adalah terdiri daripada: 1 Pusat Maklumat Pengumpulan dan penyebaran maklumat mengenai insentif di bawah Pakej Rangsangan Ekonomi serta program pembangunan PMKS.

2 Khidmat Nasihat a. Inisiatif platform dalam talian dan luar talian untuk membantu PMKS dengan menawarkan khidmat nasihat dan perundingan perniagaan, maklumat kemudahan kewangan, kemudahan perdagangan, seminar/webinar, penjenamaan dan sokongan teknologi.
b. MeetMe merupakan platform yang membolehkan PMKS membuat janji temu dalam talian untuk mendapatkan sesi khidmat nasihat dengan Kaunselor Perniagaan yang diiktiraf / Agensi / Institusi Pembiayaan.

3 MatchMe MatchMe adalah platform yang memberikan perkhidmatan padanan perniagaan dalam talian dengan penyertaan daripada pelbagai syarikat utama daripada Syarikat Multinasional (MNC), Syarikat Berkaitan Kerajaan (GLC), pasar raya besar, syarikat antarabangsa dan penyedia platform e-dagang.
4 Medium Maklum Balas Pengumpulan maklum balas melalui interaksi secara langsung mengenai pelaksanaan insentif Kerajaan dan situasi semasa PMKS.

SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 67 Portal MyAssist MSME menyepadukan semua maklumat berkaitan bantuan kepada PMKS merangkumi kemudahan kewangan, inovasi perniagaan, serta khidmat nasihat dalam talian dan luar talian yang lebih menyeluruh di bawah satu portal.
Antara perkhidmatan yang terdapat dalam portal MyAssist MSME ialah: i) Sumber maklumat – Portal SMEinfo; ii) Khidmat Nasihat Dalam Talian (MeetMe); iii) Webinar / Sesi Soal Usahawan; iv) Gerbang Bayaran; v) Sokongan Teknologi; vi) Aplikasi Mudah Alih MyAssist MSME; vii) Integrasi dengan platform Pemadanan Perniagaan B2B (MatchMe); viii) Integrasi dengan platform e-dagang (e-Market place); dan ix) e-Pameran.
Sehingga Disember 2021, jumlah capaian bagi Portal MyAssist MSME mencecah lebih 200,000 melalui Portal SMEinfo, Sesi MeetMe, Webinar, e-Pameran dan MatchMe.

Pengguna Berdaftar: 1,073 Pelawat: 50,467 Pelawat: 87,096 Sesi Khidmat Nasihat: 143 Bil.

Sesi: 73 Slot Khidmat Nasihat: 1,820 Penonton: 54,469 Bil.

Reruai Pempamer: 520 Bil.

PMKS: 506 Bil.


Kementerian / Agensi / Fls: 45 Pelawat: 30,400 Jumlah Syarikat: 545 Syarikat Anchor: 59 Sesi Padanan Perniagaan: 160 Potensi Jualan: RM24.7 juta Jumlah pengguna yang mendaftar di portal MyAssist MSME ialah 1,073 bagi tahun 2021.
68 Lawatan Sambil Belajar Akademi Seni Budaya dan Warisan Kebangsaan (ASWARA) ke SME Corp. Malaysia (16 Disember 2021) Lawatan dari Usahanita Persatuan Anak Melayu Johor (PAMJ) (1 April 2021) SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 Capaian Melalui Media Sosial PROGRAM DAN INISIATIF TERAS 69 STATUS CAPAIAN SME CORP. MALAYSIA MELALUI MEDIA SOSIAL SEPANJANG TAHUN 2021 Facebook Instagram Twitter YouTube Telegram Linkedin 74,356 Bilangan Pengikut 8,818 Bilangan Pengikut 14,881 Bilangan Pengikut 789 Bilangan Pelanggan 2,540 Bilangan Pelanggan 8,082 Bilangan Pengikut 505 Jumlah Hantaran 635 Jumlah Hantaran 479 Jumlah Hantaran 196 Jumlah Hantaran 296 Jumlah Hantaran 90 Jumlah Hantaran 70 Soal Usahawan Soal Usahawan telah memulakan siaran bermula 10 Jun 2020 dengan beberapa siri yang diterajui oleh pemudah cara profesional yang membincangkan pelbagai isu perniagaan bersama-sama penceramah jemputan yang terdiri daripada pakar industri, ahli profesional dan PMKS yang berjaya.
Pada tahun 2021, Soal Usahawan berjaya menarik 34,604 penonton daripada 25 sesi dalam talian yang telah dianjurkan.

Slot Soal Usahawan boleh ditonton di platform media sosial SME Corp. Malaysia seperti Facebook Live dan YouTube.

Soal Usahawan bertindak sebagai platform yang menyediakan khidmat nasihat perniagaan, perkongsian pengetahuan dan penyampaian maklumat.

Soal Usahawan turut menjadi tempat untuk para usahawan berinteraksi, bertukar idea dan membina rangkaian perniagaan sesama mereka.
Bagi meningkatkan bilangan tontonan serta liputan yang lebih luas, SME Corp. Malaysia bekerjasama dengan rakan- rakan strategik serta pakar industri untuk mengupas topik-topik semasa yang berkaitan dengan PMKS.

Semua webinar boleh juga ditonton melalui portal MyAssist MSME selepas siaran secara langsung.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 71 SOAL USAHAWAN YANG DIANJURKAN PADA TAHUN 2021 20 Januari 2021 ‘Inovasi Norma Baharu’ 27 Januari 2021 ‘Pembiayaan Perusahaan Kecil (Aspirasi)’ 3 Februari 2021 ‘PRIME & GO2 Brand’ 10 Februari 2021 Bahana COVID-19’ 17 Februari 2021 Kepentingan ‘Trademark’ dan ‘ISO’ untuk Perniagaan 24 Februari 2021 Navigating Your Business in COVID Times 3 Mac 2021 Insentif PKS oleh PERKESO 10 Mac 2021 Warong Rider 17 Mac 2021 Inovasi Inklusif 24 Mac 2021 Rasuah Liabiliti Korporat 31 Mac 2021 Pembiayaan Mikro Kredit 14 April 2021 Ketupat Digital - ‘Trobek Raya’ 21 April 2021 Pembiayaan Halal ke Arena Global’ 5 Mei 2021 MarketMe: Peluang dan Cabaran PKS ke Hypermarket dan Stesen Minyak 2 Jun 2021 Teknik-Teknik Pembiayaan Projek 16 Jun 2021 Hidup Mati PKS 23 Jun 2021 Minggu PKS 14 Julai 2021 Memperkasakan Usahawan Wanita di Malaysia 28 Julai 2021 Pembiayaan Pengukuhan PKS’ 11 Ogos 2021 Peluang PKS Menembusi Pasaran Amerika Syarikat dan Perancis 8 September 2021 Forum Anti Rasuah ‘Usahawan Berintegriti Tolak Rasuah’ 22 September 2021 Luaskan Pasaran Perniagaan anda Bersama Aeon 29 September 2021 From Hunter to Creator 27 Oktober 2021 ‘Jom Apply Halal’ 3 November 2021 Insurans Menyusahkan?
Betul ke Salah?

72 Pameran Tahunan PKS–SMIDEX 2021 SMIDEX telah dianjurkan buat kali pertama pada tahun 1996, iaitu ketika SME Corp. Malaysia masih dikenali sebagai Perbadanan Pembangunan Industri Kecil dan Sederhana (SMIDEC).
Sejak dianjurkan pada 25 tahun yang lalu, SMIDEX telah berkembang menjadi MeetMe Bilangan slot dibuka : 1,480 Bilangan PKS : 42 mendapatkan nasihat Bilangan agensi : 33 Bilangan kaunselor perniagaan : 146 MatchMe Bilangan penyertaan anchor : 20 (tempatan) Bilangan PKS terlibat : 268 114 (antarabangsa) Potensi jualan : RM5.8 juta Bilangan sesi padanan perniagaan : 82 yang dilaksanakan E-Pameran Jumlah PKS terlibat : 116 Jumlah Kementerian/ Agensi / : 18 MNC/ GLC/ FI/ Penaja Jumlah pengunjung maya : 7,060 Jualan langsung : RM203,140 Technology Need Pitching Jumlah sesi TNP : 3 Jumlah Penonton : 1,728 Biz Talk Jumlah sesi Pocket Talk : 710 Jumlah Penonton : 4,543 platform terbaik dalam memperkasa Komuniti PKS dan peserta antarabangsa dengan ‘pengetahuan berfungsi’ yang pragmatik serta menetapkan tanda aras baharu dalam kemajuan perniagaan.
dan Tahunan berkebolehan PKS–‘SMIDEX Tahun 2021 merupakan tahun ke-21 penganjuran 2021’ Pameran dan merupakan acara utama tahunan yang mengetengahkan PKS Malaysia yang berkeupayaan dalam menawarkan produk, perkhidmatan dan teknologi bagi pasaran global.
Acara ini ialah suatu platform bagi PKS tempatan untuk meneroka pasaran baharu dan peluang rantaian bekalan pasaran global melalui: i) Pameran Produk dan Perkhidmatan; ii) Pelancaran dan Pembentangan Produk; iii) Pemadanan Perniagaan; iv) Perbincangan Panel bersama Pakar; v) Pertukaran Idea bagi Teknologi dan Inovasi; dan vi) Peluasan Jaringan Perniagaan.
Buat julung kalinya, SMIDEX 2021 dianjurkan secara maya sejak perasmiannya pada tahun 1996, melalui portal MyAssist MSME, yang telah mempamerkan lebih daripada 100 reruai pameran dengan penyertaan daripada kedua- dua syarikat tempatan dan antarabangsa, organisasi dan agensi kerajaan.
Bertemakan ‘SME Revitalise: PKS Bangkit Semula’, dibawakan secara eksklusif interaktif menampilkan PKS yang mampan serta berdaya tahan, pakar industri, pengamal yang berpengalaman serta perkongsian dan pertukaran pengetahuan oleh pemimpin untuk menangani keperluan PKS Malaysia menelusuri fasa pasca-pandemik yang mencabar.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 73 KERJASAMA ANTARABANGSA Inisiatif Pembangunan PMKS Kerjasama Ekonomi Asia-Pasifik (APEC) Kerjasama Ekonomi Asia-Pasifik (APEC) ialah forum ekonomi terkemuka yang menyokong pertumbuhan ekonomi yang mampan dan makmur di rantau ini.
Terdapat kerjasama yang teguh dikalangan 21 ahli ekonomi bagi meneruskan agenda untuk membina komuniti Asia Pasifik yang dinamik dan harmoni dengan memperjuangkan perdagangan dan pelaburan yang bebas dan terbuka, menggalakkan dan mempercepat integrasi ekonomi serantau, menggalakkan kerjasama ekonomi dan teknikal, serta menyediakan kemudahan persekitaran perniagaan yang menggalakkan dan mampan.
Bagi menyokong aktiviti dalam dua (2) bidang fokus ini, APEC telah menjalankan pelbagai program dan memperkenalkan inisiatif yang menumpukan kepada ekonomi digital, etika perniagaan, akses pasaran dan pengantarabangsaan.

Antara inisiatif utama yang masih diteruskan di bawah SMEWG termasuk perkongsian amalan terbaik secara berterusan dikalangan ahli ekonomi dalam mesyuarat SMEWG.
Kumpulan Kerja Perusahaan Kecil dan Sederhana APEC Inklusif (SMEWG) memperjuangkan pembangunan PMKS yang mampan, berdaya tahan dan inovatif serta menangani isu berkaitan dengan pertumbuhan PMKS di rantau Asia Pasifik.
Kesemua ekonomi ahli APEC bertanggungjawab dalam melaksanakan langkah-langkah di bawah Pelan Strategik SMEWG APEC 2021 - 2024 yang memfokuskan kepada lima (5) bidang keutamaan iaitu: i) Keusahawanan, inovasi dan perniagaan permulaan; ii) Akses PMKS kepada pasaran antarabangsa dan rantaian nilai global (GVC); iii) Pembangunan keupayaan ke arah pendigitalan yang inklusif; iv) Akses kepada kewangan dan penyelesaian kewangan alternatif; dan v) Interaksi kerajaan dengan perniagaan.
Mesyuarat Peringkat Menteri PMKS APEC ke-26 yang diadakan secara maya di Wellington, New Zealand pada 9 Oktober 2021 mencapai kemuncak dengan membincangkan pengemudian pemulihan PMKS daripada kesan pandemik COVID-19 sebagai titik fokus dalam kenyataan menteri yang merangkumi dua (2) subtopik, iaitu: i) Menyokong PMKS mengharungi pandemik COVID-19; dan ii) Menggalakkan pembangunan inklusif PMKS yang mampan, berdaya tahan, serta yang digital dan inovatif sebagai langkah pemulihan.
Mesyuarat APEC SMEWG ke-52 telah diadakan dari 23 - 24 September 2021 di New Zealand.

Di bawah APEC SMEWG, jawatankuasa itu telah mengesahkan Pelan Strategik Kumpulan Kerja PMKS 2021 - 2024.

Pelan lima (5) tahun itu menyediakan satu (1) set objektif, selaras dengan lima (5) keutamaan dan telah dipersetujui dikalangan 21 ekonomi.
SMEWG telah mengambil kira bukan sahaja cabaran semasa yang perlu dihadapi oleh PMKS, malah mengambil kira pengisytiharan dan pernyataan yang dikeluarkan oleh Pemimpin APEC, Menteri APEC dan Menteri PMKS APEC.

Ini termasuk dokumen seperti Inisiatif Iloilo APEC: Mengembangkan PMKS Global untuk Pembangunan Inklusif, Agenda Tindakan Boracay untuk Globalisasi PMKS (BAA), Strategi APEC PMKS Hijau, PMKS yang Mampan dan Inovatif, serta Inisiatif APEC dalam Mempromosikan Perniagaan Permulaan yang Inovatif.
SMEWG akan memberi tumpuan kepada (5) bidang keutamaan sebagaimana yang telah digariskan di bawah Pelan Strategik 2021 - 2024. lima 74 Dialog Dasar APEC mengenai PMKS dan Rangka Kerja Keusahawanan: Mari Koheren dan Kohesif Malaysia komited dalam meneruskan agenda pembangunan PMKS melalui forum APEC dengan menganjurkan Dialog Dasar APEC mengenai PMKS dan Rangka Kerja Keusahawanan: Mari Koheren dan Kohesif, yang telah diadakan secara maya dari 7 - 9 September 2021.
Program ini disokong oleh penyertaan aktif seramai 197 peserta tempatan dan antarabangsa termasuk moderator, penceramah, pusat tumpuan, dan peserta, yang merupakan pihak berkepentingan utama daripada Kerajaan dan sektor swasta serta ahli akademik daripada 15 ekonomi APEC iaitu Brunei Darussalam, Kanada, Republik China, Indonesia, Jepun, Republik Korea, Malaysia, Mexico, Peru, Filipina, Singapura, Cina Taipei, Thailand, Amerika Syarikat dan Viet Nam.
Program ini dianjurkan oleh Kementerian Pembangunan Usahawan dan Koperasi melalui SME Corp. Malaysia dengan objektif yang berikut: 1 2 3 Untuk membangunkan dasar PMKS dan keusahawanan yang inklusif dan komprehensif untuk digunapakai oleh ekonomi APEC Untuk mengharmonikan peranan dasar dan program pembangunan usahawan bagi menyokong agenda ekonomi APEC Untuk mewujudkan ekosistem PMKS dan keusahawanan yang kondusif dan bersepadu dalam kalangan ekonomi APEC SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 Program selama tiga (3) hari tersebut terdiri daripada: 1 2 3 Dialog Panel di antara sektor awam dengan swasta untuk berkongsi amalan terbaik dalam menggubal dasar PMKS dan keusahawanan yang komprehensif Sesi Mesyuarat Kelompok berdasarkan enam (6) bidang fokus, iaitu inovasi dan penggunaan teknologi, pembangunan modal insan, akses kepada pembiayaan, akses pasaran, persekitaran perundangan dan peraturan serta infrastruktur Perbincangan Meja Bulat untuk membincangkan dan menghasilkan cadangan dasar bagi enam (6) bidang fokus sebagai asas bagi rangka kerja dasar keusahawanan APEC PROGRAM DAN INISIATIF TERAS 75 Sebanyak 27 cadangan dasar telah berjaya dibangunkan di bawah enam (6) bidang utama (Penggunaan Inovasi dan Teknologi, Pembangunan Modal Insan, Akses kepada Pembiayaan, Akses Pasaran, Persekitaran Perundangan dan Peraturan, dan Infrastruktur) yang dikenal pasti sebagai pemangkin bagi mempercepat pertumbuhan PMKS.
dan inovasi, Pengesyoran dasar itu juga berdasarkan tiga (3) bidang yang perlu digunapakai dan dikuasai oleh PMKS di bawah norma baharu, khususnya kemampanan, pendigitalan serta keterangkuman.

Pengesyoran dasar tersebut telah disahkan oleh Kumpulan Kerja PMKS APEC (SMEWG) pada 24 September 2021.
Selain itu, Malaysia juga menggalakkan para pegawai APEC untuk mempertimbangkan dan menerimapakai pengesyoran dasar ini sebagai garis panduan untuk digunakan oleh ahli ekonomi bagi melengkapkan kerja mereka dalam APEC SMEWG.
76 Inisiatif Pembangunan PMKS ASEAN Keutamaan Pencapaian ACCMSME bagi tahun 2021: i) Memperkukuh pelaksanaan mekanisme pengumpulan data PMKS di ASEAN dengan membangunkan rangka kerja kerjasama pelbagai tahun untuk meningkatkan ketersediaan data PMKS di peringkat nasional dan serantau, termasuk melalui pelaksanaan nombor pengenalan perniagaan yang unik; ii) Menyokong penginstitusian langkah-langkah jaringan keselamatan bagi menyokong perniagaan mikro dan kecil yang boleh di gunapakai dengan mudah semasa krisis, bencana dan bencana alam, termasuk insolvensi dan program meneroka topik dasar sokongan untuk PMKS; iii) Persidangan hibrid selama satu hari mengenai “Teknologi Pertanian: Memperkasa Usahawan Belia ASEAN dalam Membangunkan Sektor Pertanian”; dan iv) Semakan pertengahan penggal SAP SMED 2025 (mulai 2020).
Mesyuarat Menteri-Menteri Ekonomi ASEAN (AEM) ke-53 telah diadakan pada 8-9 September 2021 melalui sidang video.

Mesyuarat yang bertemakan “Kami Prihatin, Kami Bersedia, Kami Sejahtera” didahului dengan mesyuarat persediaan Pegawai Ekonomi ASEAN (SEOM) dan mesyuarat bersama-sama dengan Majlis Kawasan Perdagangan Bebas ASEAN (AFTA) ke-35 dan Majlis Kawasan Pelaburan ASEAN (AIA) ke-23.
Mesyuarat tersebut menyambut baik pelancaran portal web Akses ASEAN, dengan slogan “Your Business Information Gateway to ASEAN and Beyond” bagi memudahkan akses perniagaan ke pasaran antarabangsa dan memanfaatkan proses integrasi ASEAN yang berterusan.
Mesyuarat mengalu-alukan pemuktamadan semakan semula pertengahan penggal Pelan Tindakan Strategik ASEAN mengenai Pembangunan PMKS (2016- 2025) dan menantikan fasa kedua pelaksanaan yang memfokuskan peningkatan akses kepada pasaran, kewangan dan kemahiran dalam kalangan PMKS, yang bertindak balas terhadap perubahan konteks dan aliran mega yang muncul serta kesan yang dihadapi oleh PMKS akibat wabak COVID-19.
di negara-negara Berdasarkan Tinjauan Sentimen Perniagaan ASEAN 2020, PMKS menguasai persekitaran perniagaan ASEAN dengan purata 97.2% daripada jumlah perusahaan sesebuah negara.

Selain itu, purata sumbangan PMKS kepada Keluaran Dalam Negara Kasar ASEAN adalah sebanyak 4.1%, dengan kadar pertumbuhan terkompaun sebanyak 2.3%.

PMKS merupakan penyumbang kepada penciptaan pekerjaan yang ketara di lebih 65% ASEAN, menyumbang daripada jumlah pekerjaan di rantau ini sepanjang 2010 - 2019.
Mengikut negara, Viet Nam mencatatkan peningkatan tertinggi dalam peluang pekerjaan PMKS berdasarkan Kadar Pertumbuhan Tahunan Kompaun (CAGR) sebanyak 6.4%.

Mengikut sektor pula, kebanyakan pekerja PMKS berada dalam segmen borong dan runcit.

Sebagai sebuah agensi di bawah KUSKOP, SME Corp. Malaysia memainkan peranan sokongan dalam Jawatankuasa Penyelaras ASEAN mengenai Perusahaan Mikro, Kecil dan Sederhana (ACCMSME).
Mesyuarat ACCMSME diadakan dua kali setahun secara bergilir-gilir dikalangan negara anggota ASEAN.

Pada tahun 2021, mesyuarat ACCMSME ke-11 telah diadakan dari 5-9 April 2021 secara maya anjuran Lao PDR manakala mesyuarat ACCMSME ke-12 telah diadakan di Brunei dari 1-5 November 2021.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 Membolehkan Keupayaan Digital PMKS Malaysia melalui Krisis COVID-19 Pada 15 Julai 2021, SME Corp. Malaysia bersama-sama Majlis Perniagaan US-ASEAN menganjurkan sesi webinar bertemakan, “Enabling Digital Capabilities of Malaysian SMEs through the COVID-19 Crisis”.

Seramai lebih daripada 200 orang peserta terdiri daripada pemilik perniagaan dan eksekutif PMKS Malaysia menghadiri program maya tersebut.
Webinar tersebut juga turut disertai oleh Duta Besar Michael Michalak, Naib Presiden Kanan dan Pengarah Urusan Wilayah Majlis yang memberikan ucapan permulaan sebelum webinar dirasmikan oleh tetamu kehormat, YBhg.

Dato’ Suriani binti Dato’ Ahmad, Ketua Setiausaha Kementerian Pembangunan Usahawan dan Koperasi, Pengerusi Jawatankuasa Penyelarasan ASEAN PMKS (ACCMSME) 2021.
Sesi webinar tersebut dimulakan dengan sesi pertamanya melalui pembentangan yang disampaikan oleh Encik Amrul Nazri Abdullah, Pengarah Bahagian Kerjasama Antarabangsa SME Corp. Malaysia mengenai pelancaran dan kejayaan portal MyAssist MSME dan MatchMe, iaitu platform khidmat nasihat sehenti dalam talian untuk membantu PMKS.

Beliau juga berkongsi tentang Akademi PMKS ASEAN, sebuah platform bagi pembelajaran dalam talian untuk perniagaan kecil ASEAN.
Webinar ini merupakan bukti kerjasama rapat antara SME Corp. Malaysia dan Majlis Perniagaan US-ASEAN untuk terus komited dalam memperkasa PMKS ASEAN.

Topik webinar meliputi beberapa aspek penting yang menonjolkan inisiatif dan bantuan yang ditawarkan kepada PMKS daripada pelbagai pihak berkepentingan seperti Perbadanan Ekonomi Digital Malaysia (MDEC), VISA dan Facebook.
Bagi memastikan PMKS di Malaysia bertahan dalam situasi pandemik COVID-19 ini, adalah penting untuk mempercepat kadar pendigitalan, termasuk penggunaan pembayaran digital dan e-dagang.

Oleh yang demikian, amatlah penting bagi PMKS untuk meningkatkan kemahiran keupayaan digital mereka dan mengubah perniagaan mereka untuk muncul lebih kukuh serta dapat membantu mempercepat pemulihan ekonomi.
PROGRAM DAN INISIATIF TERAS 77 SME Corp. Malaysia Majlis Perniagaan US-ASEAN bersama-sama menganjurkan SESI WEBINAR “Enabling Digital Capabilities of Malaysian SMEs through the COVID-19 Crisis” Lebih dari 200 peserta yang terdiri dari pemilik perniagaan dan eksekutif PMKS Malaysia yang hadir Bagi memastikan PMKS di Malaysia bertahan dalam situasi pandemik COVID-19 ini, adalah penting untuk mempercepat kadar pendigitalan, termasuk penggunaan pembayaran digital dan e-dagang.
Oleh yang demikian, amatlah penting bagi PMKS untuk meningkatkan kemahiran keupayaan digital mereka dan mengubah perniagaan mereka untuk muncul lebih kukuh serta dapat membantu mempercepat pemulihan ekonomi.
78 Perjanjian Perdagangan Bebas Perjanjian Komprehensif dan Progresif untuk Perkongsian Trans-Pasifik (CPTPP) Mesyuarat Jawatankuasa Kerjasama dan Pembinaan Kapasiti dan Jawatankuasa Pembangunan di bawah Perjanjian Komprehensif dan Progresif untuk Perkongsian Trans-Pasifik (CPTPP) telah diadakan secara maya pada 6 dan 7 Julai 2021.
Delegasi ahli CPTPP yang mengambil bahagian adalah seperti yang berikut: Australia, Brunei Darussalam, Kanada, Chile, Jepun, Malaysia, Mexico, New Zealand, Peru, Singapura dan Viet Nam.

Jawatankuasa tersebut dipengerusikan oleh Puan Onishi Tomoko dari Kementerian Luar Negeri Jepun.
Objektif utama RCEP adalah untuk mewujudkan perkongsian ekonomi moden, komprehensif, berkualiti tinggi dan saling menguntungkan negara rakan kongsi untuk memudahkan pengembangan perdagangan dan pelaburan serantau serta menyumbang kepada pertumbuhan dan pembangunan ekonomi global.
Perkongsian Ekonomi Menyeluruh Serantau (RCEP) Malaysia adalah negara penandatangan kepada Perkongsian Ekonomi Komprehensif Serantau (RCEP) yang merupakan perjanjian perdagangan antara 10 anggota ASEAN, Republik China, Jepun, Korea Selatan, Australia dan New Zealand.

RCEP merupakan inisiatif yang dipacu oleh negara ASEAN, yang melambangkan penggabungan perjanjian perdagangan bebas (FTA) sedia ada antara ASEAN dengan negara rakan kongsi sedia ada.
Objektif utama RCEP adalah untuk mewujudkan perkongsian ekonomi moden, komprehensif, berkualiti tinggi dan saling menguntungkan negara rakan kongsi untuk memudahkan pengembangan perdagangan dan pelaburan serantau serta menyumbang kepada pertumbuhan dan pembangunan ekonomi global.
Antara bidang kerjasama yang dinyatakan dalam bab PKS, merangkumi penggalakkan inovasi dan penggunaan teknologi, peningkatan kesedaran, pemahaman dan penggunaan sistem harta intelek yang berkesan; penggalakan amalan pengawalseliaan yang baik dan pembinaan kapasiti; serta perkongsian amalan terbaik untuk meningkatkan keupayaan dan daya saing PMKS.
Faedah RCEP kepada PMKS meliputi: i) 65% pengurangan tarif untuk perdagangan barangan; ii) Perniagaan akan dapat berdagang mengikut peraturan yang lebih jelas; iii) Memudahkan penciptaan pekerjaan dan pelaburan baharu; iv) Mendapat akses pasaran dan sumber untuk bahan mentah dan buruh; v) Memudahkan kerjasama teknikal yang maju melalui pendigitalan dan pembuatan pintar; vi) Membolehkan penyertaan yang lebih luas dalam rantaian bekalan global dan serantau; SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PROGRAM DAN INISIATIF TERAS 79 vii) Memastikan ketelusan yang lebih tinggi dan disiplin yang lebih kukuh dalam langkah-langkah Bukan Tarif; dan viii) Prosedur kastam dipermudah dan kemudahan perdagangan dipertingkat.
Bagi mewujudkan kesedaran kepada PMKS dan perniagaan, Kementerian Perdagangan Antarabangsa dan Industri (MITI) dengan kerjasama Persekutuan Pengilang Malaysia (FMM) telah mengadakan webinar secara maya mengenai Navigasi Perkongsian Ekonomi Komprehensif Serantau (RCEP) Siri 1: Memahami Bab RCEP mengenai Perusahaan Kecil dan Sederhana (PKS), dan Ekonomi dan Kerjasama Teknikal (ECOTECH) pada 26 Mac 2021 melalui platform maya, ZOOM.
SME Corp. Malaysia diwakili oleh Encik Amrul Nazri Abdullah, Pengarah Bahagian Kerjasama Antarabangsa SME Corp. Malaysia sebagai penceramah, telah membincangkan peluang PMKS yang boleh diperoleh melalui RCEP.

Seramai lebih 80 peserta terdiri daripada Ketua Pegawai Eksekutif, Pengurus Besar, Pengurus Eksport dan Import, Pengurus Pembangunan Perniagaan dan Eksekutif menyertai webinar tersebut.
Webinar Mengenai Potensi Pasaran untuk PMKS di Malaysia dan Georgia SME Corp. Malaysia dengan kerjasama Kedutaan Georgia, telah berjaya menganjurkan webinar pada 21 Jun 2021 dengan tema ‘Promising Market for SMEs in Malaysia and Georgia’.

Webinar itu diserikan oleh Yang Amat Berhormat Datuk Wira Hajah Mas Ermieyati Haji Samsudin, Timbalan Menteri Kementerian Pembangunan Usahawan dan Koperasi dan Yang Amat Berhormat Alexander Khvtisiashvili, Timbalan Menteri Luar Negeri Georgia.
80 Seramai lebih 100 orang peserta dari Malaysia dan Georgia yang terdiri daripada PMKS, usahawan, pegawai kerajaan, persatuan perniagaan, dewan perniagaan dan pihak berkepentingan industri telah menyertai webinar tersebut yang merupakan sebahagian daripada bidang kerjasama MoU antara SME Corp. Malaysia dengan Enterprise Georgia untuk membolehkan pertukaran maklumat berkaitan dengan pembangunan PMKS dan memberikan maklumat kepada PMKS dan usahawan tentang peluang pasaran dan pelaburan, serta peluang pemadanan perniagaan yang tersedia di kedua-dua buah negara.
Webinar itu dijalankan melalui sesi perkongsian interaktif dengan penglibatan penceramah terkemuka daripada Lembaga Pembangunan Pelaburan Malaysia (MIDA), Enterprise Georgia, Dewan Perniagaan dan Industri Georgia, dan SME Corp. Malaysia.
Memorandum Persefahaman (MoU) antara SME Corp. Malaysia dan Organization for Small & Medium Enterprises & Regional Innovation Japan (SMRJ) Pada Mac 2021, SME Corp. Malaysia telah memperbaharui MoU kerjasama dengan Pertubuhan Perusahaan Kecil & Sederhana & Inovasi Serantau Jepun (SMRJ) untuk tiga (3) tahun lagi (3 Mac 2021 - 3 Mac 2024).

Memorandum pertama telah ditandatangani pada 18 Julai 2007 dan diperbaharui pada tahun 2010, 2013, dan 2016.
Objektif MoU adalah bagi mengukuhkan hubungan dua hala diantara Malaysia dengan Jepun, menjalinkan hubungan dan rangkaian serta bekerjasama dalam hal kepentingan bersama dalam aspek pembangunan PKS.

SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 KISAH KEJAYAAN 81 Kisah Kejayaan 3D GENS Sdn.

Bhd.

Kisah inspirasi ini bermula pada tahun 2016 apabila YBrs.

Dr. Izhar Aziz, pengasas 3D Gens Sdn.


Bhd., berbekalkan PhD dalam teknologi percetakan 3D, bertekad dan bercita-cita untuk menjadi perintis dalam penggunaan Teknologi Pembuatan Aditif di Malaysia.

Berbekalkan sikap dan kepakaran yang jitu, beliau menerokai bidang yang tidak dikenali dan belum diterokai, seterusnya menjadikan 3D Gens Sdn.

Bhd.

sebuah syarikat pengilangan bertauliah dalam bidang peranti bioperubatan.
3D Gens mampu menyediakan visualisasi data dan maklumat berbentuk simulasi 3D untuk perancangan sebelum pembedahan dilaksanakan.

Syarikat turut menyesuaikan implan perubatan, khusus untuk setiap pesakit, dimana melalui Implan Khusus Pesakit (PSI) ini, tempoh masa pembedahan dipendekkan, risiko pembedahan turut berkurangan bagi membantu pesakit mengatasi trauma perubatan dengan lebih berkesan.

Pada tahun 2017, 3D Gens Sdn.

Bhd.


memohon bantuan dari SME Corp. Malaysia, di bawah Program Galakan Eksport Bumiputera (GEB).

Program ini bertujuan bagi menggalakkan, membantu dan seterusnya meningkatkan bilangan PKS Bumiputera yang berkelayakan dan berprestasi tinggi, serta berpotensi untuk menembusi pasaran antarabangsa.

Memanfaatkan sepenuhnya bantuan dan sokongan daripada agensi-agensi yang lain, syarikat tempatan ini berjaya memasuki bidang yang selama ini didominasi oleh negara-negara maju.
3D Gens kini dikenali di Rantau Asia Pasifik, terutamanya di negara Indonesia dimana syarikat berurusan dengan lebih dari 40 buah hospital di negara tersebut.

Sebagai pemenang Anugerah Kecemerlangan Teknologi Malaysia 2021 dalam kategori bioteknologi - teknologi penjagaan kesihatan (3D), 3D Gens Sdn.

Bhd.

telah menunjukkan teknologi boleh menjadi penggerak dalam bagaimana memberikan kehidupan yang lebih baik kepada orang ramai.

82 Kisah Kejayaan FIRE FIGHTER Sdn.

Bhd.


Cik Michelle Hah merupakan salah seorang Pengarah Urusan Fire Fighter Sdn.

Bhd., amat menghargai hubungan kerjasama mereka dengan SME Corp. Malaysia dan agensi kerajaan sepanjang tempoh 12 tahun yang lalu.

Semuanya bermula apabila Firefighter Sdn.

Bhd., telah dianugerahkan pensijilan oleh SIRIM QAS International Sdn.

Bhd., sebuah badan pengujian, pemeriksaan dan pensijilan bertauliah di Malaysia.

Kejayaan ini membuka peluang kepada Fire Fighter Sdn.

Bhd.
Bhd.

memperolehi akses kepada pasaran yang lebih besar, di dalam dan di luar negara.

juga menyertai Persatuan Syarikat Jenama Malaysia yang membantu mereka mendedahkan potensi syarikat serta program Groom Big yang membuka banyak peluang untuk mengiklankan dan memasarkan produk melalui acara dan pameran yang disertai.

Pengauditan yang rapi dan ketat dalam proses pemilihan sebelum diberikan peluang menyertai mana-mana program ialah ciri-ciri yang dititik beratkan oleh syarikat.
ini Masih segar dalam ingatan Cik Hah satu pertemuan khusus kira-kira 10 tahun yang lalu bersama Ketua Pegawai Eksekutif SME Corp. Malaysia ketika itu, YBhg.

Datuk Hafsah Hashim yang mengunjungi reruai Fire Fighter Sdn.

Bhd.

semasa acara yang dijalankan di bawah agensi MATRADE.

Walaupun Datuk Hafsah kagum dengan produknya, beliau memberi pandangan yang bernas mengenai pembungkusan produk.

Hal ini memberikan kesedaran kepada Cik Hah berkenaan pentingnya peranan penjenamaan dan pembungkusan yang baik.
Fire Fighter Sdn.

Bhd.

kemudiannya memperoleh geran daripada SME Corp. Malaysia bagi mempertingkatkan mutu penampilan produknya.

Sebagai Pengarah Urusan wanita dalam industri yang didominasi oleh golongan lelaki, Cik Hah terpaksa menghadapi cabaran yang berganda.

Namun beliau berbangga kerana hasil dari bantuan dan sokongan daripada agensi kerajaan seperti SME Corp. Malaysia, Fire Fighter Sdn.

Bhd.
Bhd.

kini merupakan satu-satunya pengeluar alat pemadam api Malaysia yang mempunyai kedua-dua pensijilan ISO 9001 dan ISO 14001.

SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 KISAH KEJAYAAN 83 Kisah Kejayaan PALM FIBER Sdn.

Bhd.

Palm Fiber Sdn.

Bhd.

telah ditubuhkan pada tahun 2014 bagi memfokuskan kepada bidang penyelidikan serta pembangunan hasil sampingan bagi sisa kelapa sawit.
Bahan utama yang digunakan ialah Batang Kelapa Sawit (OPT), yang dibakar sebelum penanaman semula, dimana bahan ini mengandungi jumlah serat makanan yang tinggi, sesuai untuk manusia dan haiwan.

Sebelum penubuhannya, banyak penyelidikan telah dilaksanakan terhadap gentian sawit, dengan kerjasama Prof. Dr. Ida Idayu dari UTM Skudai, sejak akhir tahun 1990-an.

Hasil kerjasama melalui penggunaan teknologi Jepun, terhasilah minuman tambahan kesihatan yang diberi nama EGT Fiber.
Pada tahun 2017, SME Corp. Malaysia telah memberikan bantuan serta khidmat nasihat kepada Palm Fiber Sdn.

Bhd.

dimana syarikat telah berjaya memperolehi penarafan 3 Bintang di bawah Program Penarafan Daya Saing PKS untuk Peningkatan (SCORE).

Dengan penarafan ini, syarikat layak menyertai program- program Pembangunan Kapasiti serta program-program Pembangunan lain yang berkaitan.

Selain itu, Palm Fiber Sdn.

Bhd.


merupakan penerima Anugerah Enterprise 50 (E50) yang mengiktiraf 50 PKS yang berprestasi tinggi dan berdaya saing.

Syarikat berjaya muncul di dalam kedudukan 40 syarikat teratas, yang membuka peluang untuk mereka mengambil bahagian dalam sesi bengkel dan forum antarabangsa atas jemputan SME Corp. Malaysia.
Sesi padanan perniagaan yang dianjurkan oleh SME Corp. Malaysia seterusnya mewujudkan hubungan perniagaan serta interaksi dengan syarikat besar dan multinasional di seluruh dunia.

Pada tahun 2020, gangguan rantaian bekalan yang diakibatkan oleh pandemik COVID-19, menyebabkan Palm Fiber terpaksa menyesuaikan diri dengan perubahan bagi mengelakkan daripada terus mengalami kerugian.
Palm Fiber beralih daripada penghasilan minuman tambahan kesihatan kepada pembekalan bahan mentah OPT untuk pembeli yang berminat.

Strategi ini mengurangkan kebergantungan dan ancaman kepada persekitaran perniagaan yang tidak menentu semasa tempoh COVID-19.

Dengan ini Palm Fiber telah membuktikan bagaimana pemikiran yang kreatif berperanan dalam menentukan kejayaan sesebuah syarikat.

84 Kisah Kejayaan PROEIGHT Sdn.

Bhd.


‘‘Tiada yang mustahil….sekiranya anda mempunyai keberanian untuk bangkit semula setiap kali anda jatuh”.

Inilah moto yang dipegang oleh Ketua Pegawai Eksekutif ProEight Sdn.

Bhd., Encik Azhar dan ini telah dibuktikannya apabila beliau berani menceburi domain yang tidak pernah diterokai oleh mana-mana syarikat di Asia Tenggara atau Asia Pasifik.

Encik Azhar yang sangat mempercayai Strategi Lautan Biru, telah menerajui ProEight Sdn.

Bhd.
Bhd.

sejak 1998, dengan minda yang berdaya tahan dan berani untuk mencuba sesuatu yang di luar jangkauan.

Encik Azhar yang terlibat di dalam bidang perundingan Minyak & Gas sebelum menceburi bidang pembuatan bertekad untuk menjadikan ProEight sebagai sebuah pemain utama dan disegani dalam industri ini.

Beliau juga tidak memohon bantuan dana dari mana-mana pihak sebelum mencapai kejayaan yang dibanggakan.
Pasukannya berusaha gigih sehingga berjaya melayakkan diri di bawah Program Pembangunan Vendor (VDP) Petronas pada tahun 2006.

Encik Azhar mengakui dan menghargai hakikat bahawa Petronas telah memainkan peranan penting dalam kejayaan ProEight.

Sentiasa berinovatif dan menjana nilai merupakan kunci penggerak utama bagi Encik Azhar di mana pada tahun 2011, ProEight berjaya membangunkan rangkaian pengedap mekanikal yang berteknologi tinggi.
Pada bulan Julai 2011, ProEight memenangi dua anugerah daripada SME Corp. Malaysia iaitu Syarikat Paling Inovatif serta Syarikat Paling Inovatif dalam Sektor Pembuatan disamping memenangi pelbagai Anugerah yang lain daripada agensi kerajaan.

ProEight mempunyai kedudukan cemerlang sebagai syarikat reka bentuk, kejuruteraan dan pembuatan tempatan yang telah dinobatkan anugerah berprestij Q1 daripada Institut Petroleum Amerika pada tahun 2012.
Kejayaan ini memberikan pendedahan yang dicari untuk menerokai pasaran antarabangsa.

Pada tahun 2015, ProEight menerima Anugerah 1-InnoCERT AAA dari SME Corp. Malaysia serta penarafan 5 Bintang di bawah Program Penarafan Daya Saing PKS untuk Peningkatan (SCORE).

Pengiktirafan dan dana yang diterima membantu untuk mendorong perjalanan ProEight yang lebih berinovasi.

Apabila COVID-19 melanda pada tahun 2020, ProEight Sdn Bhd.

mengalami gangguan dalam aktiviti perniagaan terutamanya dalam bidang logistik.
Dengan minda yang adaptif, ProEight menyesuaikan diri dengan apa jua kekangan dan terus berkembang di mana pasukan jurutera berjaya menghasilkan cara kerja yang kreatif untuk terus bergerak ke hadapan.

Pada bulan Mei 2021, ProEight sekali lagi memperolehi penarafan 5 bintang di bawah Program SCORE dimana beliau amat berbangga kerana ini membuktikan kemampuan ProEight.
Pencapaian terbaik ProEight adalah pada tahun 2021, apabila Kerajaan Qatar, selepas menjalani proses penilaian yang ketat, memberikan ProEight anugerah khas untuk bekerjasama dengan Kementerian Tenaga Qatar bagi menubuhkan sebuah Pusat Penyelidikan & Pembangunan Pembuatan.

SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 KISAH KEJAYAAN 85 Kisah Kejayaan G&H CAKE HOUSE Sdn.

Bhd.

G&H CAKE HOUSE Sdn.

Bhd.


Bermula daripada syarikat yang sederhana pada tahun 2008, G&H Cake House, yang asalnya merupakan kedai roti milik keluarga, telah berkembang pesat dalam tempoh 24 tahun yang lalu.

Pada asalnya perniagaan ini bermula dari rumah dan berkembang apabila G&H Cake House membeli sebuah premis perniagaan lot kedai dan mula beroperasi di premis tersebut.

Selepas menjalani proses pengauditan yang ketat, G&H Cake House memperolehi pensijilan HALAL & MeSTI pada tahun 2013.
Produk G&H Cake House yang utama ialah kek lapis beku, biskut dan pastri di bawah jenama MyZiff Bakers.

Menyedari potensi G&H Cake House untuk memasuki pasaran tempatan dan luar negara, pelbagai usaha dan sumber telah disalurkan untuk meningkatkan mutu pengeluaran dan pembungkusan.

Menjelang tahun 2015, produk MyZiff Bakers telah berada di Pasar Raya Besar LuLu, serta beberapa pasar raya terkenal yang lain.
Pada tahun 2019, G&H Cake House telah menerima bantuan geran di bawah Program Peningkatan Kapasiti dan Keupayaan PKS (BAP & BAP 2.0), daripada SME Corp. Malaysia.

Melalui bantuan yang diterima, syarikat berjaya mempertingkatkan kapasiti serta memberi pendedahan yang diperlukan oleh perniagaan mereka.

Pada bulan November 2019, G&H Cake House telah dipilih untuk menyertai Ekspo FAMA di Tokyo, yang merupakan titik permulaan bagi pengiktirafan dan kejayaan syarikat tersebut.
Walaupun Ekspo anjuran FAMA tidak berlangsung pada tahun 2020 berikutan pandemik, FAMA telah membawa sampel Biskut Oatmeal keluaran G&H Cake House ke Pameran Makanan pada tahun 2021 dan di sinilah produk ini mendapat perhatian SL Japan Co. Ltd, yang merupakan salah satu pengimport terbesar di Jepun.

Sememangnya pemborong makanan diketahui bahawa pasaran Jepun bersikap selektif berkenaan produk yang dipasarkan di negara mereka.
SL Japan telah menghantar wakil ke G&H Cake House bagi melihat sendiri proses pengeluaran dimana mereka berasa kagum dan berpuas hati dengan pemerhatian mereka.

Pada bulan Oktober 2021, penghantaran pertama ke Jepun telah dilakukan, dan terdapat pengulangan tempahan meskipun dalam tempoh pandemik COVID-19.

Pada masa ini, G&H Cake House telah berkembang daripada dua (2) orang pekerja kepada 12 orang pekerja dan telah berjaya memiliki mesin pengeluaran.
Biskut Oatmeal MyZiff Bakers menampilkan keistimewaannya sebagai produk semula jadi tanpa bahan pengawet dan pewarna, serta tidak mengandungi telur, dimana hal ini turut menarik perhatian pengedar dalam dunia vegetarian serta vegan.

Pada tahun 2020, bahan G&H Cake House juga telah digunakan sebagai nilai tambah kepada produk (sebagai OEM).

Tiga (3) muatan kontena balang coklat telah dieksport ke negara Brunei melalui UNIC Munif Hijjaz dan terdapat pengulangan tempahan semenjak itu.
Syarikat dari negara Dubai, Oman serta Arab Saudi juga telah menunjukkan minat yang mendalam terhadap produk ini dan G&H Cake House berharap untuk mendapat tempahan pada tahun 2022.

Ini merupakan kisah perjalanan G&H Cake House bermula dengan langkah kecil yang berterusan sehingga menjadikan produk mereka berjaya ke pasaran antarabangsa.

Selamat maju jaya kepada G&H Cake House.


86 PENILAIAN HASIL PROGRAM PEMBANGUNAN PMKS OLEH SME CORP. MALAYSIA DI BAWAH RMKe-11 SME Corp. Malaysia menyedari bahawa PMKS merupakan komponen yang penting dalam strategi Malaysia untuk menjadi sebuah negara berpendapatan tinggi.

Meskipun strategi ini mungkin telah tergendala dengan seluruh dunia menghadapi kesukaran dan ketidaktentuan yang disebabkan oleh pandemik COVID-19, kini masanya telah tiba untuk menggerakkan semula strategi ini.
Kaji selidik dalam talian telah dijalankan dari 6 Mei 2021 hingga 12 Julai 2021 terhadap PMKS yang telah menerima bantuan kewangan di bawah sepuluh (10) program perbelanjaan pembangunan (development expenditure, DE) dan telah melengkapkan penyertaan mereka seperti berikut: i) HIP 2: Platform Pengkomersialan Teknologi (Technology Commercialisation Platform, TCP); ii) HIP 3: Rakan Kongsi Pelaburan PKS (SME Investment Partner, SIP); iii) HIP 4: Going Export (GoEx); iv) HIP 5: Program Pemangkin; v) HIP 6: Inovasi Inklusif; vi) Business Accelerator Programme 2.0 (BAP 2.0); vii) Program Peningkatan Enterpris Bumiputera (BEEP); viii) Tunas Usahawan Belia Bumiputera (TUBE); ix) Galakan Eksport Bumiputera (GEB); dan x) Micro Connector.
Kaji selidik tersebut turut diedarkan kepada PMKS yang tidak mengambil bahagian dalam program SME Corp. Malaysia.

Berdasarkan profil tersebut, sejumlah 1,200 PMKS memberikan maklum balas terhadap kaji selidik dengan 83.1% (997) merupakan penerima manfaat dan 16.9% (203) adalah bukan penerima manfaat program pembangunan oleh SME Corp. Malaysia.

Perusahaan mikro membentuk 58.4% daripada jumlah responden, sementara 32.0% merupakan firma bersaiz kecil dan baki 9.6% adalah firma bersaiz sederhana.
Dari segi sektor perniagaan, hampir separuh responden (48.3%) adalah daripada sektor perkhidmatan, sektor pembuatan merangkumi 44.7%, pertanian (5.8%) dan pembinaan (1.3%).

Memberi tumpuan kepada prestasi jualan, kedua-dua penerima dan bukan penerima manfaat melaporkan peningkatan trend dalam jualan sebelum pandemik melanda, namun, prestasi jualan telah merudum pada tahun 2020 berikutan pelaksanaan Perintah Kawalan Pergerakan (PKP) (rujuk Carta 1).
Responden yang merupakan penerima manfaat program pembangunan PMKS melaporkan jualan yang lebih tinggi berbanding bukan penerima manfaat (2019: 57.6% berbanding 46.3%; 2020: 33.3% berbanding 31.5%), dalam tempoh sebelum dan selepas pandemik COVID-19.
Perkara ini mengukuhkan lagi penemuan utama kaji selidik iaitu 61.7% daripada responden yang menyatakan bahawa peningkatan hasil jualan dan keuntungan merupakan faedah utama program pembangunan, seterusnya menunjukkan keberkesanan program oleh SME Corp. Malaysia.

itu, penerima manfaat Sementara juga menunjukkan prestasi penciptaan pekerjaan yang lebih baik.
Pertumbuhan dua angka yang lebih memberangsangkan telah dicatatkan oleh penerima manfaat berbanding dengan bukan penerima manfaat, terutamanya bagi pekerja mahir dan separuh mahir dalam tempoh RMKe-11 (2016-2020).

Pertumbuhan pekerja mahir dan separuh mahir yang digaji oleh penerima manfaat program pembangunan PMKS telah berkembang, masing-masing sebanyak 44.0% dan 39.0%, manakala pengambilan pekerja oleh bukan penerima manfaat mengalami pertumbuhan yang lebih perlahan iaitu sebanyak 14.5% dan 4.7%.
Secara keseluruhannya, penerima manfaat program SME Corp. Malaysia menyatakan bahawa program tersebut memberikan manfaat kepada operasi perniagaan PMKS.
Lima (5) faedah utama program pembangunan PMKS yang dinyatakan oleh responden adalah program ini: i) meningkatkan hasil jualan dan keuntungan; ii) meningkatkan kecekapan dan produktiviti melalui penjenteraan dan penggunaan media sosial & e-dagang; iii) merangsang pembangunan produk dan perkhidmatan baharu; SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PENILAIAN HASIL PROGRAM PEMBANGUNAN PMKS OLEH SME CORP. MALAYSIA DI BAWAH RMKe-11 87 Prestasi Jualan pada tahun 2019 dan 2020 Pertumbuhan Kemahiran Guna Tenaga (2016 - 2020) 5 Faedah Teratas yang Dinyatakan oleh Penerima Program SME Corp. Malaysia 100% 13.1 8.9 17.2 53.8 10.3 33.5 9.4 53.2 80% 60% 40% 20% 0% 57.6 33.3 46.3 31.5 12.1 Penerima manfaat 2019 4.0 Penerima manfaat 2020 9.9 5.9 Bukan penerima manfaat 2019 Bukan penerima manfaat 2020 Tidak Beroperasi Meningkat Menurun Tiada Perubahan 14.5% 4.7% 44.0% 39.0% 40.1% 5 61.7% Meningkatkan hasil jualan dan keuntungan 58.4% Meningkatkan kecekapan dan produktiviti 48.5% Membangunkan produk/ perkhidmatan baharu 36.2% Menghasilkan produk berkualiti tinggi 70% 60% 50% 40% 30% 20% 10% 0% -10% Mahir Separuh Mahir -2.4% Berkemahiran rendah 31.6% Inovasi dan digitalisasi Penerima manfaat Bukan penerima manfaat Carta 1: Prestasi Jualan & Guna Tenaga serta Faedah Utama Program iv) meningkatkan keupayaan untuk menghasilkan produk berkualiti tinggi dan memupuk daya saing yang lebih tinggi dalam pasaran antarabangsa; dan v) sebagai pemangkin kepada inovasi, pendigitalan dan penerapan teknologi.
Berdasarkan maklum balas yang diterima daripada penerima manfaat berkaitan dengan program pembangunan, majoriti 99.0% penerima manfaat menyatakan bahawa kesemua program tersebut perlu diteruskan: 97.1% menyatakan bahawa maklumat program adalah jelas dan konsisten; dan 96.4% pula menyatakan pihak yang menguruskan program adalah sangat membantu (rujuk Carta 2).
Selain itu, terma dan syarat program dianggap munasabah oleh 96.1% penerima manfaat, manakala 95.5% menyatakan bahawa borang permohonan adalah mudah difahami.

Sejumlah 87.9% penerima manfaat menyatakan pembiayaan yang diterima adalah mencukupi, 71.7% menyatakan proses kelulusan adalah pantas, sementara 65.4% pula menyatakan bahawa masa yang diambil untuk pembayaran dana adalah memuaskan.
99.0% Program harus diteruskan 96.1% Terma dan syarat adalah munasabah 71.7% Proses kelulusan yang cepat 97.1% Maklumat program jelas dan 95.5% Borang permohonan 65.4% Masa pembayaran yang singkat konsisten mudah difahami 96.4% Pihak yang menguruskan program 87.9% sangat membantu Jumlah dana yang bersesuaian Carta 2: Maklum Balas Berkaitan Program Pembangunan oleh SME Corp. Malaysia 88 PENCAPAIAN PROGRAM PEMBANGUNAN UTAMA BAGI TAHUN 2021 Bagi tempoh dari Januari hingga Disember 2021, sejumlah RM120.9 juta dana diterima daripada berbagai sumber dan 644,905 PMKS telah mendapat manfaat (touchpoint) daripada pelbagai inisiatif oleh SME Corp. Malaysia, dengan butiran seperti berikut: i) 623,121 PMKS telah menyertai pelbagai program capaian, khidmat nasihat perniagaan dan bimbingan daripada SME Corp. Malaysia; ii) 7,733 PMKS telah mendapat kelulusan bantuan kewangan berbentuk geran dan pinjaman dengan nilai keseluruhan berjumlah RM195.1 juta; dan iii) 14,051 PMKS telah menerima akreditasi Status PKS dan Penarafan Daya Saing PKS untuk Peningkatan (SCORE).
Carta 3: Sorotan Pencapaian 2021 Nota: 1.

Data sehingga 31 Disember 2021 dan tidak termasuk program capaian & khidmat nasihat di Pejabat Negeri 2.

Peruntukan termasuk pelbagai dana seperti dana pembangunan 2021 (RM65.7 juta), dana PENJANA, KUSKOP Lebih 600,000 PMKS telah menjadi “touchpoint” SME Corp. Malaysia pada tahun 2021 PENCAPAIAN 2021 Bajet: RM120.9 juta Jumlah keseluruhan PMKS: 176,770 (sasaran) Capaian & Khidmat Nasihat: 623,121 PMKS Peruntukan: RM120.9 juta Jumlah PMKS yang dibantu: (Jan. - Dis.
2021): 644,905 PMKS Kelulusan bantuan kepada PMKS: RM195 juta Program: 7,733 PMKS Akreditasi: 14,051 PMKS 644,905 PMKS Dari segi perbelanjaan, sejumlah RM163.6 juta dana telah dibelanjakan, iaitu sebanyak RM77.9 juta (48.0%) digunakan bagi program pembangunan di bawah RMKe-11 yang masih mempunyai komitmen.
Sementara itu, sejumlah RM57.6 juta (35.0%) pula dibelanjakan sebagai dana pembangunan 2021 daripada keseluruhan kelulusan yang berjumlah RM180.7 juta, dan baki RM28.1 juta (17.0%) pula sebagai dana khas bagi program yang dilaksanakan dengan kerjasama Kementerian dan agensi luar seperti Program Halal, Program Rel, Zonepreneur, Geran Usahawan Perak (GeRUP) dan Majlis Agama Islam Wilayah Persekutuan (MAIWP).
Carta 4: Pencapaian Program Pembangunan Utama bagi tahun 2021 Program berskala besar (mikro & belia) TUBE BizME SMERF GEB I-SEE PRESTIGE BAP 3.0 BEEP 20 20 10 8 Program Penarafan (Status PKS/SCORE) Penarafan PKS & Akreditasi 514 500 Penerima Manfaat 4,439 4,000 95 50 159 100 Sebenar (19,996) Sasaran (14,723) 393 150 80 315 14,051 9,815 RM juta 84.2 90.0 80.0 70.0 60.0 50.0 40.0 30.0 20.0 10.0 0.0 Aliran Tunai Kelulusan (RM180.7 juta) Perbelanjaan (RM57.6 juta) Terimaan Dana (RM75,7 juta) 38.4 20 29.5 17 7.4 7.2 8.0 3.3 0 .
3 P A B 0 .
2 P E E B E E M z i B E B U T 0.3 15.2 7.6 7.9 7.0 0.3 B E G 4.0 2.6 4.0 E E S - I 4.0 4.0 3.1 3.7 4.0 A R S E G I T S E R P 17.6 10 1.4 F R E M S Perbelanjaan lain pada tahun 2021: • Dana RMKe-11: RM77.9 juta • Dana Khas: RM28.1 juta (Program Halal, Program Rail, Zonepreneur, Penjana, Gerup, MAIWP) SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PENCAPAIAN PROGRAM PEMBANGUNAN UTAMA BAGI TAHUN 2021 89 PROGRAM PEMBANGUNAN UTAMA BAGI TAHUN 2022 Bagi tahun 2022, sebanyak 28 program dan aktiviti utama akan dilaksanakan oleh SME Corp. Malaysia, melibatkan enam (6) bidang tumpuan, iaitu: i) Ekonomi, Koordinasi dan Fasilitasi; ii) Akses kepada Pasaran; iii) Sektoral, Inovasi dan Pendigitalan; iv) Akses kepada Pembiayaan; v) Pembangunan Bumiputera; dan vi) Pembangunan Inklusif.
Carta 5: 28 Program & Aktiviti Utama bagi tahun 2022 Terdapat 28 program & aktiviti utama dilaksanakan tahun 2022 EKONOMI, KOORDINASI & FASILITASI AKSES KEPADA PASARAN SEKTORAL INOVASI & PENDIGITALAN PEMBIAYAAN PEMBANGUNAN BUMIPUTERA PEMBANGUNAN INKLUSIF Glocal Linkage SME (GloSMEP) National Mark of Malaysia Brand (NNMB) Program Pembangunan Halal Minggu PKS Enterprise 50 Akreditasi PKS (Status PKS / SCORE) Koordinasi (SMEIPA, SCENiC, PCWC) Kaunselor Perniagaan Pembangunan PKS Lestari, SDG (termasuk Corporate Governance Toolkit) Semakan Akta 539 Laporan Tinjauan PMKS 2022 Pelan Perniagaan Agensi Peningkatan Industri Strategik dan Syarikat Berprestasi Tinggi (PRESTIGE) Inclusive SME Ecosystem (I-SEE) Program Pendigitalan PKS Technology Need Pitching (TNP) Business Accelerator (BAP) Pembiayaan Pengukuhan PKS (SMERF) Dana Kecemasan PKS (SMEEF) SME Investment Partner (SIP) Pembiayaan Mudah bagi PKS (SFSME) Tunas Usahawan Belia Bumiputera (TUBE) PEMERKASA Peningkatan Enterpris Bumiputera (BEEP) Program Micro Connector Program GrowBiz Program Women Netpreneur Kit Permulaan Perniagaan Inisiatif Perniagaan Inklusif (IB) Sokongan • MyAssist MSME • Hab PKS • Soal Usahawan • Khidmat Nasihat Perniagaan • Portal MalaysiaBiz • Media Dana pembangunan RMKe-12 tahun 2022 | Dana PEMERKASA Bagi bantuan kewangan, terdapat lima (5) program berbentuk bantuan geran dan pinjaman yang disediakan dengan peruntukan sebanyak RM255 juta, iaitu: i) Business Accelerator Programme (BAP) 3.0: RM40 juta; ii) Program Peningkatan Enterpris
 Bumiputera (BEEP) 2.0: RM15 juta; iii) Modal Kerja @ BAP: RM50 juta; iv) Pembiayaan Pengukuhan PKS: RM50 juta; dan v) Dana Kecemasan PKS 2.0: RM100 juta.
SME Corp. Malaysia juga telah melaksanakan empat (4) inisiatif baharu pada tahun 2022, dengan tiga (3) daripadanya merupakan mandat daripada KUSKOP, iaitu: i) Menerbitkan Kit Panduan Tadbir Urus Korporat untuk PMKS; ii) Menjalankan kajian untuk melantik Pesuruhjaya bagi pembayaran tepat waktu kepada PMKS yang akan bertindak sebagai pengantara dalam menyelesaikan pertikaian pembayaran; iii) Melaksanakan kajian terhadap pindaan Akta Perbadanan Perusahaan Kecil dan Sederhana Malaysia (Akta 539) bagi memastikan peranan dan fungsi SME Corp. Malaysia masih relevan dan dapat menyumbang kepada peningkatan pembangunan PMKS di Malaysia; dan iv) Melaksanakan Projek Rintis bagi Pusat Tindakan Kelestarian PKS (Action Centre for Sustainable SMEs - ACCESS) dengan kerjasama United Nations Global Compact Network Malaysia dan Brunei (UNGCMYB).
ACCESS menyediakan penarafan ESG, khidmat nasihat, pembangunan kapasiti serta jalinan rangkaian bersama syarikat besar yang terlibat dalam amalan Sustainable Development Goals (SDGs).

Laporan Kewangan 92 LAPORAN DAN ANALISIS PRESTASI KEWANGAN SME CORP. MALAYSIA Penyata Kewangan bagi tahun berakhir 31 Disember 2021 telah sempurna disediakan dan dikemukakan kepada Ketua Audit Negara pada 29 Jun 2022.
Ketua Audit Negara telah memberi kuasa kepada firma audit swasta mengikut peruntukan Akta Audit 1957 [Akta 62] bagi mengaudit Penyata Kewangan 2021 dan mengeluarkan Sijil Ketua Audit Negara pada 2 November 2022.

Penyata Kewangan ini disediakan selaras dengan Piawaian Perakaunan Sektor Awam Malaysia (MPSAS) dan keperluan Akta Perbadanan Pembangunan Industri Kecil dan Sederhana 1995 [Akta539] yang meliputi analisis-analisis terhadap penyata berikut: i. Penyata Kedudukan Kewangan; ii.
Penyata Prestasi Kewangan; iii.

Penyata Perubahan Ekuiti; iv.

Penyata Aliran Tunai; dan v. Penyata Perbandingan Bajet dan Amaun Sebenar; Penyata Kedudukan Kewangan Penyata Kedudukan Kewangan SME Corp. Malaysia menunjukkan jumlah aset dan liabiliti yang terdiri daripada Aset Semasa dan Bukan Semasa, Liabiliti Semasa dan Bukan Semasa, Geran Tertunda dan Ekuiti.
Selaras dengan asas pengukuran mengikut konvensyen kos sejarah, semua dana dan akaun dilaporkan dalam Penyata Kedudukan Kewangan dengan maklumat terperinci dinyatakan dalam Nota kepada Penyata Kewangan.

Aset Semasa Aset Semasa terdiri daripada Tunai di Tangan dan di Bank, Simpanan Tetap, Akaun Pinjaman Kakitangan, Akaun Amaun Boleh Terima daripada Transaksi Pertukaran dan Bukan Pertukaran, Penghutang dan Akaun Deposit dan Prabayar.
Aset-aset semasa ini mempunyai tahap kebolehcairan dalam tempoh jangka pendek.

Pada tahun 2021, Aset Semasa berjumlah RM1.35 billion telah berkurang sebanyak RM19.52 juta (1.42%) berbanding dengan tahun 2020 yang berjumlah RM1.37 billion.

Tunai di Tangan dan di Bank dan Simpanan Tetap Pengurusan wang tunai yang efisien adalah penting untuk memastikan semua perbelanjaan SME Corp. Malaysia dapat dibiayai dengan kedudukan wang tunai yang mampan.
Lebihan wang tunai dilaburkan dalam simpanan tetap bagi tempoh tiga (3) bulan bagi memastikan ia menghasilkan pulangan serta tahap kecairan yang mencukupi untuk menampung perbelanjaan harian.

Secara keseluruhannya, baki wang tunai dan simpanan tetap pada tahun 2021 berjumlah RM316.85 juta telah berkurang sebanyak RM99.73 juta (23.94%) berbanding dengan tahun 2020 yang berjumlah RM416.58 juta.

Maklumat lanjut mengenai Tunai di Tangan dan di Bank boleh dirujuk pada Nota 4 – Nota kepada Penyata Kewangan.
Penghutang Pembangunan Penghutang Pembangunan adalah terdiri daripada geran PKS dan geran Pinjaman Mudah yang disalurkan kepada Rakan Strategik SME Corp. Malaysia yang dilantik sebagai Agensi Pelaksana bagi mengurus pinjaman dan geran bagi PKS seluruh Malaysia.

Pada tahun 2021, baki penghutang Pembangunan berjumlah RM1.01 billion mencatatkan peningkatan sebanyak RM55.56 juta (5.85%) berbanding dengan tahun 2020 yang berjumlah RM949.88 juta.
Maklumat lanjut mengenai Penghutang Pembangunan boleh dirujuk pada Nota 6 – Nota kepada Penyata Kewangan.

Aset Bukan Semasa Aset Bukan Semasa terdiri daripada Hartanah, Loji dan Peralatan, Pelaburan Jangka Panjang dan Aset Tak Ketara.

Bagi aset-aset yang terperoleh, ianya dibiayai menggunakan rizab dalaman SME Corp. Malaysia.
Pada tahun 2021, Nilai bawaan Aset Bukan Semasa berjumlah RM23.79 juta telah menunjukkan peningkatan sebanyak RM2.08 juta (9.6%) berbanding dengan tahun 2020 yang berjumlah RM21.7 juta.

Pelaburan Jangka Panjang Pelaburan Jangka Panjang adalah merupakan pelaburan Saham Keutamaan Boleh Tebus (‘RPS’) dengan syarikat modal yang dilantik bagi menguruskan pelaburan kepada syarikat PKS kategori pemula dan berpotensi pertumbuhan tinggi di bawah Program Rakan Pelaburan PKS (SIP) - Pelan Induk PKS.
Pada tahun 2021, Pelaburan Jangka Panjang berjumlah RM20.3 juta kekal tidak berubah berbanding dengan tahun 2020 kerana tiada pelaburan tambahan pada tahun semasa.

Maklumat lanjut mengenai Pelaburan Jangka Panjang boleh dirujuk pada Nota 10 – Nota kepada Penyata Kewangan.

Liabiliti Liabiliti terdiri daripada Liabiliti Semasa dan Bukan Semasa.

Ianya terdiri daripada Pemiutang Transaksi Pertukaran, Manfaat Pekerja, Peruntukan Cukai, Geran Tertunda dan Dana Skim Patuh Syariah.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 Pada tahun 2021, Liabiliti berjumlah RM1.36 billion telah berkurang sebanyak RM5.85 juta (0.42%) berbanding dengan tahun 2020 yang berjumlah RM1.37 billion.

Manfaat Pekerja Manfaat Pekerja adalah merupakan pelan manfaat persaraan kakitangan SME Corp. Malaysia iaitu Gantian Cuti Rehat.

Manfaat Pekerja terbahagi kepada dua (2) akaun iaitu Manfaat Pekerja Jangka Pendek dan Jangka Panjang.
Nilai semasa Manfaat Pekerja Jangka Pendek dikira menggunakan formula yang telah ditetapkan oleh Jabatan Perkhidmatan Awam (JPA) bagi penebusan awal Gantian Cuti Rehat yang telah dikenalpasti untuk dilunaskan kepada kakitangan SME Corp. Malaysia yang layak bagi tempoh kurang daripada 12 bulan.

Manakala Manfaat Pekerja Jangka Panjang dinilai sebagai Liabiliti Bukan Semasa kerana ianya dikira mengikut kaedah aktuari berdasarkan Piawaian Perakaunan Sektor Awam Malaysia (MPSAS 25).
Pada tahun 2021, Manfaat Pekerja berjumlah RM3.33 juta telah meningkat sebanyak RM0.65 juta (24.16%) berbanding dengan tahun 2020 yang berjumlah RM2.68 juta.

Maklumat lanjut mengenai Manfaat Pekerja boleh dirujuk pada Nota 14 – Nota kepada Penyata Kewangan Cukai Cukai adalah merupakan cukai taksiran yang diperuntukkan berdasarkan kenaan cukai dan penalti oleh Lembaga Hasil dalam Negeri (LHDN) dengan kadar cukai yang sedang berkuatkuasa bagi tahun 2020 dan 2021.
Cukai ini akan dilunaskan dalam tempoh kurang daripada 12 bulan secara ansuran.

Mengurus, 33.00 CARTA 6 BAJET YANG DILULUSKAN TAHUN 2021 (RM Juta) Mengurus Pembangunan Pembangunan, 95.70 LAPORAN KEWANGAN 93 Pada tahun 2021, peruntukan cukai berjumlah RM8.3 juta berkurang sebanyak RM34.32 juta berbanding dengan tahun 2020 yang berjumlah RM42.63 juta.
Pengurangan drastik ini adalah kerana peruntukan cukai pada tahun 2020 disebabkan kenaan cukai taksiran dan penalti bagi tahun taksiran daripada tahun 2010 sehingga 2019.

Maklumat lanjut mengenai Cukai boleh dirujuk pada Nota 24 – Nota kepada Penyata Kewangan.

Geran Tertunda Ianya Geran Tertunda adalah merupakan geran Pembangunan yang diterima daripada Kerajaan Persekutuan yang belum direalisasikan sebagai pendapatan geran dalam Penyata Prestasi Kewangan.
geran terdiri Pembangunan bagi Rancangan Malaysia untuk pelbagai program Pembangunan PKS dan lain-lain dana Pembangunan yang bersifat ‘one-off’.

Geran Pembangunan ini akan direalisasikan sebagai pendapatan berdasarkan prestasi perbelanjaan Pembangunan dalam tahun semasa.

daripada Pada tahun 2021, Geran Tertunda berjumlah RM1.28 billion telah berkurang sebanyak RM3.31 juta (0.26%) berbanding dengan tahun 2020 yang berjumlah RM1.29 billion.
Peruntukan Mengurus dan Pembangunan Kedudukan kewangan SME Corp. Malaysia bagi tahun kewangan 2021 menunjukkan prestasi kewangan yang stabil dan kekal utuh sungguhpun dana Mengurus hanya diperuntukkan bagi Emolumen sahaja.
SME Corp. Malaysia menerima peruntukan daripada Kerajaan Persekutuan bagi dana Mengurus sebanyak RM33 juta manakala peruntukan Pembangunan RM95.7 juta (termasuk Rancangan Malaysia ke-12 sebanyak RM65.7 juta dan PEMERKASA – Kemudahan Mikro Kredit sebanyak RM30 juta) bagi tahun kewangan berakhir pada 31 Disember 2021.

Berbanding dengan tahun 2020, dana Mengurus yang diterima adalah RM30 juta manakala dana Pembangunan yang diterima adalah RM151.51 juta.
Berdasarkan bajet yang diluluskan, Carta 6 dan Jadual 1 menunjukan prestasi penerimaan peruntukan semasa berbanding dengan tahun sebelumnya.
Dana Mengurus Pembangunan Jumlah Diterima 2021 RM Juta 33.0 95.7 128.7 Jadual 1 2020 RM Juta 30.0 151.5 181.5 Peningkatan / (Penurunan) RM Juta 3.0) (55.8) (52.8) % 10.0) (36.8) (29.1) 94 Pendapatan Mengurus dan Pembangunan Selain daripada pendapatan bukan pertukaran berjumlah RM182.97 juta, SME Corp. Malaysia telah menjana pendapatan pertukaran berjumlah RM9.55 juta bagi tahun kewangan berakhir tahun 2021.
Berbanding dengan tahun 2020, jumlah pendapatan pertukaran menunjukkan peningkatan sebanyak RM0.82 juta (9.33%).

Carta 7 dan Jadual 2 menunjukan pecahan pendapatan SME Corp. Malaysia seperti berikut: Di bawah Pendapatan Bukan Pertukaran, Geran daripada Kerajaan Persekutuan yang diterima sebanyak RM57.46 juta adalah termasuk terimaan juta sebagai pindahan dana Pembangunan berjumlah RM24.46 peruntukan tambahan Mengurus untuk menampung keperluan perbelanjaan Mengurus bagi tahun 2021.
Manakala Geran Pembangunan Direalisasi sebanyak RM125.51 juta adalah merupakan pendapatan Geran Pembangunan yang diiktiraf bagi tahun semasa berdasarkan prestasi perbelanjaan dana Pembangunan.

Prestasi Kewangan SME Corp. Malaysia bagi tahun 2021 direkod sebagai defisit sebelum cukai berjumlah RM3.27 juta berbanding dengan tahun 2020 yang dicatat lebihan sebelum cukai sebanyak RM35.8 juta disebabkan tidak diberikan peruntukan Mengurus bagi Perkhidmatan dan Bekalan.
Perbelanjaan Mengurus bagi maksud tersebut dibiayai dengan lebihan dana Pembangunan yang dibenarkan, pendapatan yang telah dijana dan baki rizab dalaman.
CARTA 7 PECAHAN PENDAPATAN TAHUN 2021 (RM Juta) Sumbangan Swasta, 0.33 Lain-lain Pendapatan, 2.57 Sumbangan Agensi Lain, 0.01 Sumbangan Kerajaan Negeri, 0.10 Geran Pembangunan Direalisasi Geran Kerajaan Persekutuan Sumbangan Kerajaan Negeri Sumbangan Agensi Lain Sumbangan Swasta Faedah Sewa Lain-lain Pendapatan Geran Pembangunan Direalisasi, 125.51 Sewa, 0.15 Faedah, 6.39 Geran Kerajaan Persekutuan, 57.46 Jadual 2: Prestasi Pendapatan Bagi Tahun bagi tahun 2021 dan 2020 2021 RM Juta 2020 RM Juta Peningkatan / (Penurunan) RM Juta % Pendapatan Pendapatan Bukan Pertukaran Geran dari Kerajaan Persekutuan Geran Pembangunan Direalisasi Jumlah Pendapatan Bukan Pertukatran Pendapatan Pertukaran Sumbangan Kerajaan Neger Sumbangan Agensi Lain Sumbangan Swasta Faedah Sewa Lain-lain Pendapatan Jumlah Pendapatan Pertukaran 57.46 125.51 182.97 0.10 0,01 0.33 6.39 0.15 2.57 9.55 85.66 61.53 147.19 0.23 – 0.01 8.06 0.12 0.31 8.73 (28.20) 63.98) 35.78) (0.13) 0.01) 0.32) (1.68) 0.04) 2.26) 0.82 36.60 (32.92) 103.97) 24.31) (56.32) 100.00) 2,650.00) (20.80) 32.94) 724.80) 9.33) 23.47) Jumlah Pendapatan Keseluruhan 192.52 155.92 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 95 Perbelanjaan Mengurus dan Pembangunan Memandangkan Bajet Mengurus SME Corp. Malaysia bagi tahun 2021 hanya diluluskan bagi perbelanjaan Emolumen sebanyak RM33 juta, Kementerian Kewangan telah meluluskan peruntukan sejumlah RM24.46 juta bagi pindahan dana Pembangunan dan rizab dalaman sebanyak RM11.69 juta untuk menampung komitmen perbelanjaan
 Perkhidmatan dan Bekalan serta lain-lain Perbelanjaan di bawah Mengurus.
Carta 8 menunjukkan prestasi perbelanjaan SME Corp. Malaysia secara keseluruhan berbanding dengan pendapatan bagi tahun 2020 dan 2021.

Perbelanjaan Mengurus CARTA 8 PERBANDINGAN PRESTASI PERBELANJAAN BAGI TAHUN 2020 DAN 2021 Peruntukan Perbelanjaan 250 200 150 100 50 0 Prestasi Perbelanjaan RM Juta RM192.52 RM204.10 RM155.92 RM162.75 2020 2021 Maksud perbelanjaan Mengurus adalah terdiri daripada Perbelanjaan Tanggungan dan Bekalan.
Berdasarkan keseluruhan prestasi perbelanjaan Mengurus SME Corp. Malaysia bagi tahun 2021, jumlah perbelanjaan yang dicatatkan adalah sebanyak RM78.59 juta.

Berbanding dengan tahun 2020, prestasi perbelanjaan berkurang sebanyak RM22.63 juta (22.36%).

Ini adalah kerana cukai taksiran yang diperuntukkan pada tahun 2021 berkurangan sebanyak RM34.32 juta (80.5%).
Kurangan cukai adalah disebabkan oleh cukai taksiran dan penalti yang dikenakan oleh Lembaga Hasil Dalam Negeri (LHDN) pada tahun 2021 hanya untuk tahun 2020 dan 2021 berbanding dengan cukai taksiran dan penalti untuk tempoh 10 tahun pada tahun 2020 berikutan penerimaan notis daripada Lembaga Hasil Dalam Negeri (LHDN).
Selain daripada itu, peningkatan prestasi perbelanjaan Emolumen sebanyak RM8.68 juta (37.96%) disebabkan oleh peruntukan pelan manfaat persaraan Pekerja dan perubahan carta perakaunan mengikut jenis belanja memberi kesan kepada peningkatan perbelanjaan Emolumen.

Peningkatan perbelanjaan bagi Perkhidmatan dan Bekalan sebanyak RM2.94 juta (8.48%) adalah kesan daripada Pelaksanaan Pemulihan Negara (PPN).

Jadual 3 dan Carta 9 menunjukkan prestasi perbelanjaan Mengurus mengikut penjenisan belanja.
Perbelanjaan Emolumen Perkhidmatan dan Bekalan Perbelanjaan Pelbagai Lain-lain Perbelanjaan Cukai Jumlah Perbelanjaan CARTA 9 PERBELANJAAN TAHUN 2020 DAN 2021 (RM Juta) 2020 2021 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Jadual 3 2021 RM Juta 31.53 37.59 0.50 0.65 8.31 78.59 2020 RM Juta 22.86 34.65 0.31 0.76 42.63 101.22 Peningkatan / (Penurunan) RM Juta 8.68 2.94) 0.19) (0.11) (34.32) (22.63) RM0.65 RM0.76 % 37.96) 8.48) 60.80) (14.85) (80.50) (22.36) RM8.31 RM42.63 RM31.53 RM37.59 RM0.50 RM125.51 RM22.86 RM34.65 RM0.31 RM61.53 Emolumen Perkhidmatan dan Bekalan Perbelanjaan Pelbagai Perbelanjaan Pembangunan Lain-lain Perbelanjaan Cukai 96 Perbelanjaan Pembangunan SME Corp. Malaysia telah mencatatkan peningkatan perbelanjaan Pembangunan sebanyak RM63.98 juta (103.98%) di mana jumlah perbelanjaan yang direkodkan adalah sebanyak RM125.51 juta berbanding dengan RM61.53 juta pada tahun 2020.
Ini adalah kerana peningkatan jumlah tuntutan geran yang diluluskan berikutan pelaksanaan Pelan Pemulihan Negara (PPN).

Jadual 3 dan Carta 10 di bawah menunjukkan prestasi keseluruhan perbelanjaan Pembangunan mengikut jenis dana.
CARTA 10 PERBANDINGAN PRESTASIPERBELANJAAN PEMBANGUNAN 2020 2021 RM125.51 Juta RM61.53 Juta Jadual 3 : Prestasi Perbelanjaan Pembangunan Tahun 2021 Mengikut Jenis Dana Perbelanjaan Pembangunan 2021 RM Juta 2020 RM Juta Peningkatan / (Penurunan) RM Juta RMK-12 RMK-11 RMK-10 RMK-9 Program Peningkatan Enterprise Bumiputera SME Emergency Fund High Impact Program (HIP) - Aerospace PENJANA - Tunas Usahawan Belia Bumiputra (TUBE) PENJANA - Micro Connector PENJANA - Kemudahan Mikro Kredit 38.25) 63.86) (0.04) 10.33) (0.00) 0.17) 0.00) 11.87) 1.06) –) – 55.83 2.29 – 3.16 0.03 0.15 0.00 0.07 Jumlah Perbelanjaan Pembangunan 125.51) 61.53 38.25) 8.03) (2.33) 10.33) (3.16) 0.14) (0.15) 11.87) 0.99) –) 63.98 Aset Bersih/Ekuiti Aset Bersih adalah terdiri daripada Lebihan Terkumpul dan Kumpulan Wang Amanah bagi Pinjaman Kakitangan.
Rizab SME Corp. Malaysia adalah merupakan lebihan pendapatan yang terkumpul di mana nilai bersih pendapatan yang dikumpulkan berdasarkan Penyata Prestasi Kewangan tahun semasa.

Bagi tahun 2021, jumlah aset bersih yang dicatatkan berjumlah RM5.64 juta telah berkurang sebanyak RM11.58 juta (67%) berbanding dengan tahun 2020 sebanyak RM17.23 juta.
Daripada jumlah ini, Rizab SME Corp. Malaysia direkodkan dengan jumlah RM3.79 juta di mana telah menyusut sebanyak RM11.58 juta (75%) berbanding dengan RM15.38 juta pada tahun 2020.

Penyusutan rizab ini adalah disebabkan perbelanjaan Mengurus bagi Bekalan dan Perkhidmatan tidak diberi peruntukan oleh Kerajaan Persekutuan sejak tahun 2017.
Kedudukan rizab tahun 2021 telah mencapai keadaan kritikal dan memerlukan sokongan dan perhatian daripada Kerajaan Persekutuan bagi meneruskan operasi SME Corp. Malaysia untuk tahun-tahun mendatang.
SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 97 SIJIL KETUA AUDIT NEGARA 98 LAPORAN KEWANGAN SIJIL KETUA AUDIT NEGARA SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 99 SIJIL KETUA AUDIT NEGARA 100 SIJIL KETUA AUDIT NEGARA SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 PENYATA PENGERUSI DAN SEORANG AHLI PERBADANAN LAPORAN KEWANGAN 101 102 PENGAKUAN OLEH PEGAWAI UTAMA YANG BERTANGGUNGJAWAB KE ATAS PENGURUSAN KEWANGAN PERBADANAN PERUSAHAAN KECIL DAN SEDERHANA MALAYSIA SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 103 104 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 105 106 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 107 108 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 109 110 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 111 112 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 113 114 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 115 116 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 117 118 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 119 120 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 121 122 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 123 124 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 125 126 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 127 128 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 129 130 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 131 132 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 133 134 SME CORP.
 MALAYSIA LAPORAN TAHUNAN 2021 LAPORAN KEWANGAN 135 SME CORP. MALAYSIA LAPORAN TAHUNAN 2021 2021 A N N U A L R E P O R T 138 CORPORATE PHILOSOPHY The three graphic arrow-like lines indicate the continuous motion of SME Corp. Malaysia’s role in supporting and developing MSMEs.
Moving in an upward direction, this depicts SME Corp. Malaysia as an entity that is dynamic, forward- thinking and success-driven.

The colours cyan, warm grey and magenta project the organisation as cutting-edge, innovative and dynamic.

‘SME Corp. Malaysia’ is rendered in italic font, which symbolises progressiveness and forward-thinking.

VISION The premier organisation for the development of progressive MSMEs to enhance wealth creation and social well-being of the nation.
MISSION Promote the development of competitive, innovative and resilient MSMEs through effective coordination and provision of business support.
SME CORP. MALAYSIA ANNUAL REPORT 2021 CONTENTS CHAIRMAN’S MESSAGE CHIEF EXECUTIVE OFFICER’S MESSAGE CORPORATE INFORMATION • SME Corporation Malaysia • Corporate Governance • Organisational Structure • Members of the Corporation • Top & Senior Management • State Offices FLAGSHIP PROGRAMMES AND INITIATIVES • SME Ratings and Accreditation • Capacity and Capability Development • Access to Financing • Market Access • Technology and Innovation • Bumiputera Entrepreneurs Development Programmes • Microenterprises Development Programme • Outreach • International Cooperation SUCCESS STORY OUTCOME EVALUATION ON MSME DEVELOPMENT PROGRAMMES BY SME CORP. MALAYSIA UNDER RMKe-11 ACHIEVEMENTS OF KEY DEVELOPMENT PROGRAMMES FOR 2021 FINANCIAL REPORT 139 140 142 144 170 217 222 224 226 140 CHAIRMAN’S MESSAGE Micro, Small and Medium Enterprise (MSMEs) are globally considered to be the driver, the backbone and the core of growth of a developing country.
MSMEs comprise close to 97.4% of entities in Malaysia and possess the potential to be pivotal in the progress of this nation.

With this colossal potential comes their vulnerability too, as was witnessed in the rampage caused by COVID-19 on the economic landscape of Malaysia.

MSMEs are integral element to the economic progress of this nation and undoubtedly there are brighter days if we put our shoulders to the wheel and embrace the transformation that is necessary if we are to thrive again….
Insya-Allah we will succeed.

SME CORP. MALAYSIA ANNUAL REPORT 2021 CHAIRMAN’S MESSAGE 141 While the year 2020 will go down in history as the most disruptive year that the world has seen in the last 100 years, this year, with our country having transitioned to Phase 4 of the National Recovery Plan (NRP), and travel restrictions being lifted, the year 2021 will be the beginning of not only rebuilding and recovery, but also reviewing and resetting businesses.
Being resilient, agile and adaptive have become paramount in the survival of MSMEs in the pandemic period in Malaysia.

The role of SME Corp. Malaysia has never been more pertinent than now; as such, it is imperative that we be clear about the path forward.

The pandemic has compelled entrepreneurs to be aware of and reconcile with some inadequacies in the MSME ecosystem that may not have surfaced otherwise.
As the agency that has been mandated to spearhead the recovery and strengthen the development of the MSMEs, we must view this as an opportunity to review the existing support infrastructure and to transform the MSME landscape into one that makes them future-ready.

SME Corp. Malaysia is committed to prioritise the future preparation of the MSMEs through the ability to adapt to automation technology, digital transformation and innovation.
MSMEs show promising future as can be seen in the Gross Domestic Product (GDP) growth of 1.0% as opposed to a negative 7.3% (-7.3%) in 2020.

MSMEs are integral element to the economic progress of this nation and undoubtedly there are brighter days if we put our shoulders to the wheel and embrace the transformation that is necessary if we are to thrive again….

Insya-Allah we will succeed.


I would like to extend my sincere appreciation to all the stakeholders of SME Corp. Malaysia for their support and contribution.
My gratitude goes to the Ministry of Entrepreneur and Cooperatives Development in ensuring (MECD) the continuity of our service quality, as well as to other Ministries and agencies, industry associations, and strategic partners, who have all in their capacity, played a significant part in mitigating the impact COVID-19 has had and still has on the economy.
Toward this end, SME Corp. Malaysia will continue supporting MSMEs in their respective paths forward through collaboration with various agencies, investing in access to programmes that focus on digitisation and automation, apart from providing financial assistance.

While the short-term relief is evident with financial assistance, the long-term sustainable recovery hinges on MSMEs transformation.
To my colleagues on board who are Members of the Corporation, the Management team, as well as the staff of SME Corp. Malaysia, words fail to describe the respect and appreciation I have for you in your relentless efforts to overcome the challenges we have faced as a team - thank you.

We are not out of the woods yet; while many are on the road to recovery, some are still struggling to sustain growth and face a fragile future.
The performance of Dato’ Sri Syed Hussien Al Habshee Chairman SME Corp. Malaysia 142 CHIEF EXECUTIVE OFFICER’S MESSAGE Broad ranging measures including debt relief and funding initiatives rolled out at unprecedented speed as the top priority was to help protect and preserve lives and livelihoods of businesses.

This saw the introduction of the PRIHATIN Economic Stimulus Package and PENJANA Recovery Plan, as to helped MSMEs reassess and rethink the way business is conducted, in line with the new normal.
In the year 2021, we witness a small but significant recovery now that the pandemic storm has receded with the special relief measures put in place in 2020 to assist MSMEs which have gained some traction, alleviating the cash flow constraints many MSMEs faced.

At a glance, we will note that from the month of January to December 2021, a total fund of RM120.9 million was received from various sources and 644,905 MSMEs have benefited from the range of initiatives carried out by SME Corp. Malaysia.
A total fund of RM163.6 million was spent, with RM57.6 million or 35% was spent under the 2021 development fund and the remaining RM28.1 million for special funds implemented in collaboration with the Ministry and Agencies such as Halal Programme, Rail Programme, Zonepreneur, Geran Usahawan Perak (GeRUP) and Majlis Agama Islam Wilayah Persekutuan (MAIWP).

Achievements of Key Development programmes of 2021 will show that the actual reach far outnumbered what was targeted.
One instance For the past two decades, SME Corp Malaysia has been providing comprehensive support to Micro, Small and Medium Enterprise (MSMEs), catering to the range of businesses from the core which have been the backbone in the Malaysian economy.

Flagship initiatives focussing on automation and digitalisation were gaining momentum when the COVID-19 pandemic hits.
SME CORP. MALAYSIA ANNUAL REPORT 2021 CHIEF EXECUTIVE OFFICER’S MESSAGE 143 would be the SME Rating & Accreditation (SRA) programme where targeted numbers were 9815 companies while the actual numbers of businesses rated were 14,051 companies.

This was the general trend for all the programmes which reflects the gaining demand by MSMEs to want to rebuild their businesses.
For year 2022, a total of 28 key programmes and activities will be carried out by SME Corp. Malaysia under the following six (6) focus areas: • Economics, Coordination and Facilitation; • Access to Markets; • Sectoral, Innovation and Digitalisation; • Access to Financing; • Bumiputera Development; and • Inclusive Development.
Focusing on the financial assistance, the following five (5) programmes in the form of grants and loans will be provided namely: • Business Accelerator Programme (BAP) 3.0; • Bumiputera Enterprise Enhancement (BEEP) 2.0; • Working Capital @ BAP; • SME Revitalisation Financing; and • SME Emergency Fund 2.0.
SME Corp. Malaysia will implement the following four (4) new initiatives in 2022, of which three (3) are mandates from Ministry of Entrepreneur and Cooperatives Development (MECD): • Publish a Corporate Governance Toolkit for MSMEs; • Conduct a study to appoint a Commissioner for payments to MSMEs in a timely manner and act as a mediator in resolving payment disputes; • Conduct a study on amendments to the Small and Medium Enterprises Corporation Malaysia Act (Act 539) to ensure the functions and roles of SME Corp. Malaysia are still relevant and can contribute to the increased development of MSMEs in Malaysia; and • Conduct a pilot project for the Action Centre for Sustainable SMEs (ACCESS) in collaboration with the United Nations Global Compact Network Malaysia and (UNGCMYB).
ACCESS provides Brunei ESG ratings, advisory services, capacity building as well as networking with large companies involved in the practice of Sustainable Development Goals (SDGs).

The main goal is to prepare MSMEs for the future and it can only be implemented if we focus on continuing to adapt and adopt digital technology and automation.
This year indeed has been a challenging year, thus, I would like to thank everyone at Ministry of Entrepreneur and Cooperatives Development (MECD) including the strategic partners that have been together with SME Corp. Malaysia at this trying times.

Not to mentioned, the Members of Corporation, Management as well as staff of SME Corp. Malaysia which intensifies the efforts to create a resilient and competitive MSMEs during this difficult times.
I sincerely hope that SME Corp. Malaysia continues to provide the best and quality service, gearing towards a progressive and developed nation for all.
Rizal Nainy Chief Executive Officer SME Corp. Malaysia CORPORATE INFORMATION 146 ABOUT SME CORP. MALAYSIA SME Corporation Malaysia (SME Corp. Malaysia) was established under the Small and Medium Enterprises Corporation Malaysia Act 1995 (Act 539) is a Statutory Corporation appointed by the Government as the Central Coordinating Agency (CCA) responsible for monitoring the development of Micro, Small and Medium Enterprises (MSMEs) in Malaysia.
SME Corp. Malaysia was gazetted as an agency under the Ministry of Entrepreneur Development and Cooperatives (MECD) in November 2018.

SME Corp. Malaysia acts as a central point of reference for research, data, programmes and advisory services related to and for the SMEs.
As the CCA for the overall SME development in Malaysia, SME Corp. Malaysia coordinates, streamlines, monitors and evaluates the progress and effectiveness of SME development programmes implemented by 15 Ministries, 6 sole Agencies and 56 Agencies.

The information collected from the relevant Ministries and Agencies is reported annually under the SME Integrated Plan of Action (SMEIPA).
A POSITIVE START In the year 1996, SME Corp. Malaysia was formerly known as the Small and Medium Industries Development Corporation (SMIDEC).

It was established as an agency under the Ministry of International Trade and Industry (MITI) to promote the development of SMEs through targeted initiatives.
The main objective of SMIDEC was to nurture the potential of Malaysia Small and Medium Industries (SMI) through infrastructure support, financial assistance, business advisory services, market access and various development programmes.

SMIDEC aimed to make the SMI community resilient towards achieving local, regional and global competitiveness.
Acting as a central point of reference for research, data, programmes and advisory services related to and for the SMEs Coordinating, streamlining, monitoring and evaluating the progress and effectiveness of SME development programmes implemented by 15 Ministries, 6 sole Agencies and 56 Agencies Reporting annually the information collected from the relevant Ministries and Agencies SME CORP. MALAYSIA ANNUAL REPORT 2021 ABOUT SME CORP. MALAYSIA 147 The formation of the National SME Development Council (NSDC) in 2004 was an important milestone to accelerate the development of SMEs in the country.
The NSDC serves as the highest policy- making body in setting the strategic direction of Government policies on SME development and ensuring the overall effectiveness of the Government programmes and initiatives.

KEY ROLES AND FUNCTIONS In 2007, the NSDC decided to form a single dedicated agency to formulate the overall policies and strategies for SMEs and to champion SME Programmes across Ministries and Agencies.
SMIDEC was transformed and rebranded as SME Corp. Malaysia on 2 October 2009 to assume this role as CCA.

Meanwhile, with greater emphasis now placed on entrepreneurship development, the NSDC was rebranded to the National Entrepreneur and SME Development Council (NESDC) on 8 April 2019.
1 One stop collection and reference for sme information and advisory services 2 Coordination of SME development programmes 3 SMEs economic assessment 4 SME accreditation 5 Business development and support programmes 6 Access to domestic and international markets 148 CORPORATE GOVERNANCE BOARD COMMITTEES AND PANELS The Corporation’s Committee and Panel act as trustees steering the organisation towards a sustainable future based on sound governance, ethical and financial management policies in accordance with the law.
These trusted professionals determine the direction of the organisation based on their experience and insight, gearing towards its vision and mission.
At SME Corp. Malaysia, the Corporation Committee comprises the Audit Committee, the Remuneration and Benefits Committee (RBC), the Student Loan Committee (SLC), the Investment Committee, the Bumiputera in Business Committee, the Innovation and Digitalisation Committee, the Market Access Panel and Internationalisation Committee and the Inclusive Development Committee.

1.

Audit Committee This committee is a requirement stipulated in the General Circular No.
3 of 1998 1PP PS 3.2/2013: Establishment of Audit Committees at Federal Ministry and State Government Level.

Chairman: YBhg.

Dato’ Sri Jailani Bin Johari Members: i. YBhg.

Datuk Dr. Zunika Binti Mohamed ii.

YBrs.

Encik Afizal Bin Kasa iii.

YBrs.

Encik Koong Lin Loong iv.

YBrs.

Encik Apli Bin Yusof and YBhg.

Dato’ Hajah Faridah Binti Ab.


Jabbar Objectives: • To discuss the audit findings raised by the Internal Audit Unit and the external auditors; and • To ensure Management takes preventive and corrective actions to rectify weaknesses found and avoid recurring audit issues.

2.

Remuneration and Benefit Committee (RBC) Chairman: YBrs.

Encik Afizal Bin Kasa Members: i. YBhg.

Datuk Dr. Zunika Binti Mohamed ii.

Chief Executive Officer, SME Corp. Malaysia iii.

Chief Operating Officer, SME Corp. Malaysia iv.


Human Resources Division Representative, MECD SME CORP. MALAYSIA ANNUAL REPORT 2021 CORPORATE GOVERNANCE 149 Objectives: • To discuss and recommend remuneration, compensation, benefits and reward for staff under the SME Corp. Malaysia Service Scheme in order to attract and retain talent; and • To create policies for the administration of remuneration packages under SME Corp. Malaysia Service Scheme.

3.

Study Loan Committee (SLC) Chairman: YBhg.


Datuk Haji Zamri Bin Salleh Members: i. YBrs.

Encik Afizal Bin Kasa ii.

Chief Executive Officer, SME Corp. Malaysia iii.

Chief Operating Officer, SME Corp. Malaysia iv.

Human Resources Division Representative, MECD Objectives: • To evaluate and approve study loan applications; • To approve the request for extension of study period; and • To review guidelines and propose new guidelines to the Remuneration and Benefit Committee (RBC).

4.
4.

Investment Committee (IC) Chairman: YBrs.

Encik Koong Lin Loong Members: i.

Chief Executive Officer, SME Corp. Malaysia ii.

Deputy Chief Executive Officer, SME Corp. Malaysia iii.

Chief Operating Officer, SME Corp. Malaysia iv.

One (1) MECD representative v. One (1) EPU representative vi.

One (1) MOF representative vii.


Other qualified representatives from SME Corp. Malaysia, Government and from the private sector can be invited if deemed necessary Objectives: • To propose to the Board any feasible investment activities to be carried out by SME Corp. Malaysia based on pre-feasibility study and due diligence; and • To ensure that all investment activities are carried out in accordance with policies, guidelines and/or procedures outlined by SME Corp. Malaysia.

150 5.
150 5.

Bumiputera in Business Committee Chairman: YBhg.

Dato’ Sri Jailani Bin Johari Deputy Chairman: YBhg.

Dato’ Hajah Habibah Binti Mohd Yusof and YBhg.

Dato’ Hajah Faridah Binti Ab.

Jabbar Members: i.

One (1) MECD representative ii.

One (1) EPU representative iii.

One (1) TERAJU representative iv.

One (1) MARA representative v. One (1) PERDASAMA representative vi.

One (1) DPMM representative vii.

One (1) PENIAGAWATI representative; and viii.

One (1) MPM representative.


Objectives: To serve as an advisory panel to improve existing initiatives and create new initiatives as deemed appropriate.

6.

Innovation and Digitalisation Committee Chairman: YBhg.

Prof. Dato’ Dr. Haji Abdul Razak Bin Omar and YBrs.

Dr. Mohd Yadzil Bin Yaakub.

Deputy Chairman: YBrs.

Encik Apli Bin Yusof Members: i. MECD Representative (Vendor Development) ii.

MDEC Representative (Chief Digital Officer) iii.

MOSTI Representative (Commercialisation Division) iv.
Malaysian Service Providers’ Confederation Representative v. Federation of Malaysian Manufacturers/ FMM Representative vi.

Chairman IKS, Youth & Entrepreneurship vii.

Committee/ SYEC viii.

Malaysia Automation Technology Association (MATA) Representative Objectives: To present new initiatives and recommend improvements to programs related to innovation and digitalisation that can enhance the adaptation of innovation, technology and digitalisation among small and medium enterprises.
SME CORP. MALAYSIA ANNUAL REPORT 2021 CORPORATE GOVERNANCE 151 7.

Market Access Panel and Internationalisation Committee Chairman: YBrs.

Encik Bell Aggan @ Bell Anak Bernard Aggan and YBhg.

Dato’ Nurulhidayah Binti Ahmad Zahid Deputy Chairman: YBhg.

Datuk Haji Azhari Bin Dato’ Shaari Members: i.

Two (2) MECD/ MITI/ MATRADE Representatives ii.

Two (2) MICCI & MEXPA Representatives iii.

One (1) Online Platform Sector, eg.

Lazada/ Shopee Representative iv.

One (1) Hypermarket sector; eg.


AEON Group/ Mydin Representative v. One (1) UOB Bank Representative Objectives: • To provide views and feedback on existing programs and suggest appropriate improvements, if deemed necessary; and • To provide insight and feedback on new initiatives that can contribute to enhance access to markets and internationalisation for SMEs.

8.

Inclusive Development Committee Chairman: YBhg.

Dato’ Faridah Binti Ab Jabbar Deputy Chairman: YBhg.
Dato’ Hajah Habibah Binti Mohd Yusof and YBrs.

Tuan Haji Hilmy Bin Othman Members: i.

Two (2) Representative from Micro Business Association/Organisation; ii.

Two (2) Representative from Women’s Association in Business; iii.

One (1) Representative from Youth Association in Business; iv.

One (1) Representative from the Social Business Sector; and v. One (1) Representative from Inclusive Association/Corporation Representative.
Objectives: • To help SME Corp. Malaysia in developing and improving new initiatives including inclusive development; • To provide views and suggestions for improvement on new initiatives including inclusive development; and • To advise on overall strategy in inclusive development initiatives.
152 ORGANISATIONAL STRUCTURE CHIEF EXECUTIVE OFFICER CHIEF EXECUTIVE OFFICER’S OFFICE • Legal & Corporation • Integrity ORGANISATIONAL STRUCTURE 153 STRATEGIC COMMUNICATION DIVISION INTERNAL AUDIT UNIT DEPUTY CHIEF EXECUTIVE OFFICER (POLICY & COORDINATION) DEPUTY CHIEF EXECUTIVE OFFICER (IMPLEMENTATION & DEVELOPMENT) CHIEF OPERATING OFFICER PROGRAMME COORDINATION DIVISION BUSINESS ADVISORY & SUPPORT DIVISION INFORMATION TECHNOLOGY DIVISION ECONOMICS & POLICY DIVISION BUSINESS DEVELOPMENT & ENTREPRENEURSHIP DIVISION HUMAN CAPITAL DEVELOPMENT DIVISION POLICY MONITORING & INCLUSIVE DEVELOPMENT DIVISION BUMIPUTERA BUSINESS DEVELOPMENT DIVISION FINANCE & ACCOUNT DIVISION INTERNATIONAL COOPERATION DIVISION CORPORATE MANAGEMENT DIVISION STATE OFFICES SME CORP. MALAYSIA ANNUAL REPORT 2021 154 MEMBERS OF THE CORPORATION List of Chairman and Members of Corporation who served throughout 2021: YBhg.
Dato’ Sri Syed Hussien Abdul Kadir Al Habshee CHAIRMAN YBhg.

Dato’ Sri Syed Hussien Abdul Kadir Al Habshee, holds a Bachelor in Social Science from University of Science Malaysia and a Master of Arts in International Relations from Fletcher School of Law & Diplomacy, University of Tufts, United States of America.

He currently holds various position as Deputy President of The Malay Chamber of Commerce Malaysia and Chairman for Axisjaya Group of Companies, amongst others.
He was appointed as Chairman of SME Corporation Malaysia since December 2018.

Member of the Corporation from 2 December 2018 – 31 December 2022 YBhg.

Datuk Haji Zamri Salleh DEPUTY CHAIRMAN YBhg.

Datuk Haji Zamri Salleh holds a Master of Science (Management), from University Utara Malaysia (UUM).

In 1989, he started his career as an Assistant Director, Implementation Coordination Unit in the Prime Minister’s Department.
Presently, he is the Deputy Secretary General (Entrepreneurship Development and Monitoring) for the Ministry of Entrepreneur Development and Cooperatives and also a Member of Corporation of SME Corp. Malaysia.

Member of the Corporation from 1 January 2022 – 31 December 2023 SME CORP. MALAYSIA ANNUAL REPORT 2021 MEMBERS OF THE CORPORATION 155 YBhg.

Datuk Dr. Zunika Mohamed MEMBER OF THE CORPORATION YBhg.
Datuk Dr. Zunika Mohamed obtained a Doctorate Degree in Economics from Universiti Putra Malaysia (UPM) and obtained a Post Graduate and Masters Degree in Economics from the International Islamic University, Malaysia and the University of Texas, USA.

She also holds a Diploma in Public Administration from the National Institute of Public Administration (INTAN) Malaysia.

She is currently the Deputy Director General (Macro), Economic Planning Unit of the Prime Minister’s Department.
She is a trained economist and has served in various positions in several Ministries for the past 25 years, including serving earlier in the Economic Planning Unit.

She is currently a Member of SME Corp. Malaysia.

Member of the Corporation from 1 June 2021 – 31 December 2022 YBrs.

Encik Afizal Kasa MEMBER OF THE CORPORATION YBrs.

Encik Afizal Kasa holds a Bachelor of Accounting (Hons) from Universiti Teknologi MARA.
He currently holds the position of Head of the Budget Section in the National Budget Office (NBO), Ministry of Finance Malaysia and also a Member of Corporation of SME Corp. Malaysia.

Member of the Corporation from 1 January 2022 – 31 December 2023 YBrs.

Encik Koong Lin Loong MEMBER OF THE CORPORATION YBrs.

Encik Koong Lin Loong is currently the Managing Partner of Reanda LLKG International, Executive Director of Reanda International Network and the Chairman of its International Tax Panel.
He is currently the National Council Member of the Associated Chinese Chambers of Commerce and Industry of Malaysia (ACCCIM) and a Member of Corporation of SME Corp. Malaysia.

Member of the Corporation from 1 January 2021 – 31 December 2022 156 YBhg.

Dato’ Sri Jailani Johari MEMBER OF THE CORPORATION YBhg.

Dato’ Sri Jailani Johari graduated from University Malaya majoring in Law.

He previously served as Deputy Minister of Ministry of Communications and Multimedia from 2013 until 2018.

YBhg.
YBhg.

Dato’ Sri Jailani Johari is also a Member of Corporation of SME Corp. Malaysia.

Member of the Corporation from 1 June 2020 – 31 December 2021 YBhg.

Dato’ Hajah Faridah Ab.

Jabbar MEMBER OF THE CORPORATION YBhg.

Dato’ Hajah Faridah Ab.

Jabbar obtained Advance Diploma of Business Studies in Singapore and Diploma of Secretary from Institute of Secretary, Singapore.
At present, she is a Member of Corporation of SME Corp. Malaysia, Yang DiPertua, USAHANITA Malaysia and Foundation Secretariat Head for Majlis Perundingan Melayu (MPM).

She has been awarded Darjah Indera Mahkota Pahang (DIMP) which carries the title Datoship by DYMM Baginda Sultan of Pahang in 2014.

Member of the Corporation from 1 June 2022 – 31 December 2023 YBrs.

Dr. Mohd Yadzil Yaakub MEMBER OF THE CORPORATION YBrs.
Dr. Mohd Yadzil Yaakub graduated with Medical Degree from University of Udaya, Bali, Indonesia.

Apart from being a Member of the Corporation, he is a general practitioner in Poliklinik Hidayah, Melaka.

Member of the Corporation from 1 June 2020 – 15 November 2021 SME CORP. MALAYSIA ANNUAL REPORT 2021 MEMBERS OF THE CORPORATION 157 YBhg.

Kapten (B) Datuk Muhammad Suhaimi Yahya MEMBER OF THE CORPORATION YBhg.
Kapten (B) Datuk Muhammad Suhaimi Yahya graduated from Asia e University (AEU) in the field of Executive Master in Engineering Management.

He previously served as an officer with the rank of Captain in the Angkatan Tentera Malaysia (ATM).

YBhg.

Kapten (B) Datuk Muhammad Suhaimi Yahya is also a Member of Corporation of SME Corp. Malaysia.

Member of the Corporation from 1 June 2020 – 15 November 2021 YBrs.

Tuan Haji Hilmy Othman MEMBER OF THE CORPORATION YBrs.
Tuan Haji Hilmy Othman graduated from Universiti Malaya (UM) Bachelor in Science.

Apart from being a Member of the Corporation of SME Corp. Malaysia, he is also currently the Deputy Mayor of Kuching South City Council.

Member of the Corporation from 1 June 2020 – 15 November 2021 YBhg.

Dato’ Nurulhidayah Ahmad Zahid MEMBER OF THE CORPORATION YBhg.

Dato’ Nurulhidayah Ahmad Zahid graduated from University Putra Malaysia (UPM) majoring in Communications.
Started her career as a Public Relations Executive at Syarikat Perumahan Negara Berhad (SPNB) and resigned as Vice President of Corporate Communications in 2016 to start her own business and currently a Member of SME Corp. Malaysia.

Member of the Corporation from 1 January 2021 – 6 April 2021 158 YBhg.

Dato’ Sri Azizan Ahmad MEMBER OF THE CORPORATION YBhg.

Dato’ Sri Azizan Ahmad graduated from Ashland University, Ashland, Ohio with a Master of Business Administration.
He previously served as Secretary General of the Ministry of Energy and Natural Resources from 2015 to 2017.

He is currently a Member of SME Corp. Malaysia.

Member of the Corporation from 1 February 2021 – 15 December 2021 YBrs.

Encik Bell Aggan @ Bell Ak Bernard Aggan MEMBER OF THE CORPORATION Mr. Bell Aggan @ Bell Ak Bernard Aggan graduated from Oklahoma City University, Oklahoma, United States majoring in Bachelor of Science in Business Management.
He is currently the treasurer general for the Dayak Chamber of Commerce and Industry (DCCI) and a Member of SME Corp. Malaysia.

He was awarded Member of Mangku Negara (A.M.N) in 2017.

Member of the Corporation from 6 January 2021 – 31 December 2022 YBhg.

Datuk Haji Azhari Dato’ Shaari MEMBER OF THE CORPORATION YBhg.

Datuk Haji Azhari Dato’ Shaari graduated from the University of Management and Science with a Master of Business Administration.
He is currently the Chief Executive Officer of the ASA Group and a Member of SME Corp. Malaysia.

Member of the Corporation from 16 November 2021 – 15 November 2023 SME CORP. MALAYSIA ANNUAL REPORT 2021 MEMBERS OF THE CORPORATION 159 YBhg.

Prof. Madya Dato’ Dr. Haji Abdul Razak Haji Omar MEMBER OF THE CORPORATION YBhg.

Prof Madya Dato’ Dr. Haji Abdul Razak Haji Omar graduated from the University of Stirling, Scotland, UK majoring in PhD.

Business Study.
Business Study.

He has served in various positions at the ministry, state and university levels.

Mostly he is an advisor and committee member.

He is currently a Corporate Advisor of Naza Solutions (Asia) Sdn Bhd and as a Member of SME Corp. Malaysia.

He was awarded the title of Dato’ Paduka Tuanku Ja’afar (DPTJ) yang Dipertuan Negeri Sembilan in 2006.

Member of the Corporation from 16 November 2021 – 15 November 2023 YBhg.

Dato’ Hajah Habibah Mohd Yusof MEMBER OF THE CORPORATION YBhg.
Dato’ Hajah Habibah Mohd Yusof graduated from Universiti Sains Malaysia (USM) majoring in Bachelor of Social Sciences (Honours).

She is a Member of SME Corp. Malaysia and leader of Wanita UMNO Tanjong Karang.

She is currently the Managing Director at Global Phenomel Sdn.

Bhd.

Member of the Corporation from 16 November 2021 – 15 November 2023 YBrs.

Encik Apli Yusoff MEMBER OF THE CORPORATION YBrs.

Encik Apli Yusoff graduated from Universiti Sains Malaysia (USM) in Materials Engineering (Honours).
He is a Member of SME Corp. Malaysia and is currently a Director at Desa Bina Industries Sdn Bhd and is the leader of UMNO Kuala Nerus.

Member of the Corporation from 16 November 2021 – 15 November 2023 160 YBrs.

Encik Rizal Nainy MEMBER OF THE CORPORATION/ CHIEF EXECUTIVE OFFICER YBrs.

Encik Rizal Nainy graduated from Imperial College, University of London in Mechanical Engineering and then obtained Master Degree in Business Administration (MBA) from Charles Sturt University, Australia.
With vast experience in business development and entrepreneurship, he is currently the Chief Executive Officer of SME Corp. Malaysia.

Member of the Corporation from 21 July 2022 – present Below are the dates of the meetings held for Members of the Corporation including reports and attendance of the said meeting.

The list shows an attendance rate of 92% from Members of the Corporation attending all meetings held during the specified year.
Dates of Meetings of Members Corporation held 1 2 3 4 Meeting of Members of the Corporation No.

1/2021 Meeting of Members of the Corporation No.

2/2021 Meeting of Members of the Corporation No.

3/2021 Meeting of Members of the Corporation No.

4/2021 16 March 2021 27 July 2021 5 October 2021 14 December 2021 SME CORP. MALAYSIA ANNUAL REPORT 2021 MEMBERS OF THE CORPORATION 161 Reports and attendance of the meetings Members of the Corporation Meeting No.

1/2021 Meeting No.

2/2021 Meeting No.


3/2021 Meeting No.

4/2021 1.

YBhg.

Dato’ Sri Syed Hussien Abdul Kadir Al Habshee 2.

YBhg.

Datuk Haji Zamri Salleh 3.

YBrs.

Encik Afizal Kasa 4.

YBhg.

Dato’ Sri Jailani Johari 5.

YBhg.

Dato’ Hajah Faridah Ab.

Jabbar 6.

YBrs.

Dr. Mohd Yadzil Yaakub 7.

YBhg.

Kapten (B) Datuk Muhammad Suhaimi Yahya 8.

YBrs.

Encik Koong Lin Loong 9.

YBhg.

Dato’ Nurulhidayah Ahmad Zahid 10.

YBrs.

Tuan Haji Hilmy Othman 11.

YBhg.

Dato’ Sri Azizan Ahmad 12.

YBhg.


Datuk Dr. Zunika Mohamed 13.

YBrs.

Encik Bell Aggan @ Bell Ak Bernard Aggan 14.

YBhg.

Datuk Haji Azhari Dato’ Shaari 15.

YBhg.

Prof. Dato’ Dr. Haji Abdul Razak Haji Omar 16.

YBhg.

Dato’ Hajah Habibah Mohd Yusof 17.

YBrs.

Encik Apli Yusoff 18.

YBrs.


Encik Rizal Nainy TOTAL / / X / / / / / / / / – – – – – – / / / / / / / / / – / / / / – – – – / / / / / / / / / – / / / / – – – – / / / / / / – – / – – – X X / / / / / 11/12 13/13 13/13 11/13 162 TOP & SENIOR MANAGEMENT YBrs.
Encik Rizal bin Nainy Chief Executive Officer Encik Mohd Rithaudden bin Makip Deputy Chief Executive Officer (Policy & Coordination) SME CORP. MALAYSIA ANNUAL REPORT 2021 TOP & SENIOR MANAGEMENT 163 Encik Zaky bin Moh Deputy Chief Executive Officer (Implementation & Development) Puan Sharifah Najwa binti Syed Abu Bakar Chief Operating Officer 164 Tuan Haji Mohd Izham bin Abdullah Senior Director, Programme Coordination Division Puan Mimi Razidah binti Abd Razak Director, Business Development & Entrepreneurship Division Encik Czarif Chai bin Abdullah Senior Director, Business Advisory and Support Division SME CORP. MALAYSIA ANNUAL REPORT 2021 TOP & SENIOR MANAGEMENT 165 Cik Kausalya Gopal Director, Economics and Policy Division Encik Amrul Nazri bin Abdullah Director, International Cooperation Division Puan Hilyati binti Mohd Nasir Director, Policy Monitoring and Inclusive Development Division 166 Puan Suraini binti Mohamad Sulaiman Director, Bumiputera Business Development Division YM Raja Rozaila binti Raja Azman Director, Strategic Communication Division Encik Aminuddin bin Mohamed Deputy Director, Information Technology Division SME CORP. MALAYSIA ANNUAL REPORT 2021 TOP & SENIOR MANAGEMENT 167 Encik Hisham bin Taharuddin Senior Manager, Finance & Account Division Encik Ghazali bin Hamzah Senior Manager, Corporate Management Division Puan Nor Amirah binti Ab Halim Manager, Internal Audit Unit Puan Hayati binti Hassan Senior Manager, Human Capital Development Division 168 STATE OFFICES Encik Muhammad Aqil
 Baharin Director, Johor State Office Cik Nur-Ul-Ain Mohd Asmoni Director, Kedah/ Perlis State Office Encik Meor Shahril Isma Meor Abdullah Director, Kelantan State Office Cik Khairiyah Jaafar Director, Melaka State Office Puan Maslinda binti Zulkifly Director, Negeri Sembilan State Office Puan Nadia Yusof Director, Pahang State Office SME CORP. MALAYSIA ANNUAL REPORT 2021 STATE OFFICES 169 Encik Noor Azzam Yaazizul Ghafar Director, Pulau Pinang State Office Cik Azrine Othman Director, Perak State Office Encik Muhd Hamdi Salleh Director, Sabah State Office Encik Faiz Ramzi Sutarji Director, Sarawak State Office Encik Rosman Zamri Director, Terengganu State Office FLAGSHIP PROGRAMMES AND INITIATIVES 172 FLAGSHIP PROGRAMMES AND INITIATIVES SME RATING AND ACCREDITATION MSME Status Registration MSME Status Registration is a new initiative developed by SME Corp. to ensure MSMEs who Malaysia applies to participate in the SME Corp. Malaysia’s programme or receive Government’s assistance/incentives to meet the definition of MSME set by the Government.
Companies or businesses that meet the definition are eligible to be considered to join the programme as well as obtaining Government assistance/ incentives through agencies such as SME Corp. Malaysia or any Ministries and Agencies that also adopt the definition of MSME.

Application for MSME Status Registration System can be applied online at https://smereg.smecorp.gov.

my/reg/ website.
my/reg/ website.

As at December 31st 2021, SME Corp. Malaysia has approved 13,014 applicants as MSMEs, while the remaining 547 are from Non-MSME applicants.

NUMBER OF APPROVALS AS AT 31 DECEMBER 2021 MSME 13,014 As at December 31st 2021, SME Corp. Malaysia has approved 13,014 applicants as MSMEs, while the remaining 547 are from Non-MSME applicants.
547 NON MSME SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 173 SME Competitiveness Rating for Enhancement (SCORE) SME Competitiveness Rating for Enhancement (SCORE) is a diagnostic tool which determines star ratings to indicate the competitive performance of SMEs based on seven assessment parameters namely: i) Financial Capability; ii) Business Performance; iii) Technical Capability; iv) Production Capability; v) Innovation; vi) Quality System; and vii) Management Capability.
This tool has thus far proven to be effective in gauging the SMEs’ competitive readiness to move forward for bigger breakthroughs.

The assessment tracks their capacity, capabilities and performances intended to assist development of SMEs in Malaysia by engaging them to even bigger business opportunities locally and abroad.

During the year 2021, SME Corp. Malaysia successfully accredited 9,808 SMEs for SCORE rating compared to 7,275 SMEs in 2020.
As at 31st December 2021, cumulative number of SMEs accredited with SCORE rating since its inception stood at 54,107.
NUMBER OF SMEs ACCREDITED WITH SCORE STATUS IN 2021 CUMULATIVE NUMBER OF SMEs ACCREDITED WITH SCORE STATUS SINCE ITS INCEPTION Level of Star Ratings 0 Total Number of SMEs Evaluated 41 1,112 5,807 2,536 296 16 9,808 (0.4%) (11.4%) (59.2%) (25.8%) (3.0%) (0.2%) (100%) Level of Star Ratings 0 Total Number of SMEs Evaluated 349 10,181 24,851 15,514 3,079 133 54,107 (0.7%) (18.8%) (45.9%) (28.6%) (5.7%) (0.3%) (100%) 174 Microenterprise Competitiveness Rating for Enhancement (M-CORE) Introduced in 2010, Microenterprise Competitiveness Rating for Enhancement (M-CORE) is a simplified competitiveness assessment system that is used to rate microenterprises.
Having secured a good rating, microenterprises may gain priority in Government procurements, benefit from tax incentives, financing rebates, as well as gain a wider market access.

Microenterprises are accredited from Level 1 to Level 3 and are assessed based on three (3) parameters namely business capability, business operation and business management.

In 2021, SME Corp. Malaysia successfully evaluated 315 microenterprises with an M-CORE rating compared to 303 enterprises in 2020.
As at 31 December 2021, the cumulative number of microenterprises accredited with M-CORE status since its inception is 4,849 compared to 4,535 enterprises in 2020.
NUMBER OF MICROENTERPRISES ACCREDITED WITH M-CORE RATING IN 2021 Level of Ratings Level 1 Level 2 Level 3 Total Number of Microenterprises Evaluated (18.1%) (72.0%) (9.9%) (100%) 57 227 31 315 CUMULATIVE NUMBER OF MICROENTERPRISES ACCREDITED WITH M-CORE RATING SINCE ITS INCEPTION Level of Ratings Level 1 Level 2 Level 3 Total Number of Microenterprises Evaluated (22.3%) (73.0%) (4.7%) (100%) 1,079 3,540 230 4,849 SME CORP. MALAYSIA ANNUAL REPORT 2021 National Mark of Malaysian Brand (NMMB) Programme FLAGSHIP PROGRAMMES AND INITIATIVES 175 The National Mark of Malaysian Brand (NMMB) Programme, launched in 2009, is spearheaded by SME Corp. Malaysia and in collaboration with SIRIM QAS International Sdn.
Bhd.

The NMMB certification programme is a commitment by SME Corp. Malaysia to ensure the excellence of Malaysian brands by maintaining the quality, excellence and distinction of the products and services of the respective businesses.

This certification is awarded to businesses that have fulfilled the stringent criteria and subsequently have the right to carry the Malaysian Brand mark on their products and services for a period of two (2) years.
Used as a benchmark of excellence, NMMB helps in enhancing the image of Made-in-Malaysia locally before assisting the products and businesses in gaining market reach globally.

This strategic initiative complements efforts by SME Corp. Malaysia to help qualified high-potential MSMEs enhance visibility and thereby penetrate regional and international markets.
Besides, this certification gives businesses access to international trade promotions, exclusive media coverage for their products/services, as well as attending training opportunities organised by SME Corp. Malaysia.

Since its inception, a total of 182 companies have been certified.

At present, the ‘National Mark of Malaysian Brand’ has registered trademarks in Malaysia, Australia, Japan, Korea, Netherlands, Thailand, United States of America, India, Hong Kong, and Singapore.
The NMMB trademark is also in the process of being registered in 24 countries which include Brunei Darussalam, Cambodia, Canada, China, France, Georgia, Germany, Hungary, Indonesia, Italy, Mexico, New Zealand, Philippines, Russian Republic, Turkey, United Kingdom, and Viet Nam.
INDUSTRY RECIPIENTS OF NATIONAL MARK OF MALAYSIAN BRAND CERTIFICATION FROM YEAR 2010 TO 2021 Industry Manufacturing Service Number of Approvals 152 30 Total Recipients 182 ... this certification gives businesses access to international trade promotions, exclusive media coverage for their products/services, as well as attending training opportunities organised by SME Corp. Malaysia.
176 To encourage MSMEs to participate in the NMMB certification programme and to assist them in developing and enhancing branding, SME Corp. Malaysia together with SIRIM QAS International Sdn.

Bhd.

and SIRIM STS Training Sdn.

Bhd.

organised two (2) series of outreach sessions and five (5) series of Workshops themed ‘Malaysian Brands to the Global Market’ in 2021.

Throughout the series, participants were exposed to the need for ‘National Brand’ and branding concepts.
These outreach and workshop series were conducted in November until December 2021 respectively.

The sessions were conducted virtually and were attended by 245 participants.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 177 CAPACITY AND CAPABILITY DEVELOPMENT Business Accelerator Programme (BAP 3.0) The Business Accelerator Programme (BAP) was conceptualised to develop and nurture dynamic, competitive and resilient Micro, Small and Medium Enterprises (MSMEs) through a versatile and integrated package.
TYPES OF ASSISTANCE UNDER BAP FOR MATCHING GRANTS IN 2021 Amount and Number of MSMEs Approved RM120,471.25 (2 MSMEs) RM70,835.05 (6 MSMEs) RM1,246,681.39 (30 MSMEs) RM76,768,020.20 (342 MSMEs) RM1,313,971.75 (31 MSMEs) Types of Assistance Certification & Quality Management System (QMS) Packaging & Product Packaging Branding Development & Promotion Productivity & Automation Online Applications, Mobile e-Commerce, e-Payment & ICT Applications *MSMEs may receive multiple assistances (more than one type) in a single approval.
The programme’s primary objective is to assist MSMEs in strengthening their core business, building capacity and capability as well as facilitating access to financing.

The programme provides integrated assistance and this is offered in the form of matching grants and soft loan.
Apart from financial assistance through matching grants and soft loans, this programme assists eligible applicants through business advisory service and technical support, with a view to enhancing their business potential locally and abroad.
The scope of capacity and capability building provided by SME Corp. Malaysia under the matching grants facility are: i) Certification & Quality Management System (QMS); ii) Packaging & Product Packaging; iii) Branding Development & Promotion; iv) Productivity & Automation; and v) Online Applications, Mobile e-Commerce, e-Payment & ICT Applications.

the onslaught of In 2021, with COVID-19, which resulted in the various levels of lockdowns in the the business country, landscape suffered immeasurably.
SME Corp. Malaysia, committed to supporting these businesses, came out in full force to provide assistance, focusing on helping to sustain operations and preserving jobs.

178 FINANCIAL ASSISTANCE UNDER BAP IN 2021 Types of Financial Assistance Matching Grants Soft Loans 373 Number of MSMEs Approved 15 Number of MSMEs Approved 388 Total RM 79.51 million Amount Approved RM 9.90 million Amount Approved RM 89.41 million Total ...
Working Capital@BAP was exclusively designed for fixed working capital purposes and intended to help pandemic affected MSMEs to continue to operate by facilitating the process of obtaining financing ...

In 2021 alone, matching grants worth a total of RM79.51 million were approved for 373 MSMEs, with projects related to productivity and automation recording the highest approval, amounting to RM76.76 million.
The figure clearly reflects the needs and efforts of MSMEs to enhance productivity and efficiency by transforming their business operations to automation and reduce dependency on low-skilled workers.

SME Corp. Malaysia collaborates with SME Bank to implement the soft loan facilitated under the BAP.

This programme is aimed at providing financial assistance to MSMEs for the purpose of working capital and fixed assets.

In 2021, a total of RM9.9 million of soft loan was approved which benefited 15 MSMEs.
Another collaborative effort between SME Corp. Malaysia and SME Bank under this programme is called Working Capital@BAP.

It was exclusively designed for fixed working capital purposes and intended to help pandemic affected MSMEs to continue to operate by facilitating the process of obtaining financing through the use of a simpler valuation format and focusing on the type of financing required.
The provision of fixed working capital loans will enable companies to leverage the cash flow for continuous production or providing services to generate income.

The Working Capital@BAP will be made available in 2022.
SME Corp. Malaysia SME Bank SME Corp. Malaysia collaborates with SME Bank to provide fixed working capital loans to MSMEs SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 179 ACCESS TO FINANCING HIP3: SME Investment Programme (SIP) The SME Investment Programme (SIP) , being one of the High Impact Programmes (HIPs) under the SME Masterplan 2012-2020, aims at enhancing access to financing, with a focus on MSMEs at early stage through the provision of risk capital financing.
The SIP Programme is a co-financing initiative between the Government and the private sector to complement the existing financing landscape and offer private investors alternative option to invest in viable MSMEs through four (4) unique features, namely: i) Caters to early-stage MSMEs, between one (1) to three (3) years in operation; ii) Covers MSMEs in all sectors including the traditional wholesale and retail businesses; iii) Is a co-funding initiative between the public and private sector; and iv) Offers flexibility to both equity and debt financing, or a hybrid.
To date, ten (10) MSMEs from various sectors have been approved for investments with a total value of RM25.5 million.

All these MSMEs will be provided with guidance to ensure that the company remains viable until the end of the investment tenure.
Basic qualifying criteria under this programme are: i) Fulfilled the definition of MSME; ii) Registered with Companies Commission of Malaysia; iii) Have at least 51% Malaysian equity; iv) Have been in operation between one (1) to three (3) years only; and v) Have exhibited evidence of market traction, growth and especially in terms of revenue generation.
SME Corp. Malaysia MIDF Soft Loan Scheme for SMEs (SLSME) The Soft Loan Scheme for SMEs (SLSME) was launched in 2001 to promote the development of SMEs in Malaysia.

This scheme assists existing, as well as new start-ups for financing projects, fixed assets and working capital.

fund is channelled by the The Government to SME Corp. Malaysia and implemented by Malaysian Industrial Development Finance (MIDF).
As at 31 December 2021, a total of 3,173 SMEs obtained approval for financial assistance amounting to RM2.84 billion.

In 2021, RM89.8 million was approved for 83 SMEs.

As at 31 December 2021 3,173 SMEs have been approved for financial assistance amounting to RM2.84 billion 180 Shariah-Compliant SME Financing Scheme (SSFS) The access to financing that the Government facilitates for the SMEs is varied to suit the nature and dynamics of the business.
One such assistance is the Shariah-Compliant Financing Scheme (SSFS) which is a collaboration between SME Corp. Malaysia and 17 Islamic financial institutions and the Association of Islamic Banking and Financial Institutions Malaysia (AIBIM).

The Scheme, which was introduced in 2012, will be implemented until 31 March 2026 under SSFS 3.0.

As at 31 December 2021, a total of 273 applications have been approved from the 470 applications received.
Eligible SMEs are given a rebate of 2% on the profit rate charged on the financing provided.

This feature is an added advantage compared to the conventional scheme of giving out loans.

Under the Scheme, SMEs will enjoy the rebate for the financing of up to RM5 million for the period of five (5) years from the date of loan approval.

The Scheme, which was introduced in 2012, will be implemented until 31 March 2026 under SSFS 3.0.
As at 31 December 2021, a total of 273 applications have been approved from the 470 applications received.

In 2021, rebates, totalling RM10.58 million, were paid to assist 749 SMEs which included the recipients of SSFS 2.0.
This amount is higher compared to 2020 (RM7.73 million) but slightly lower compared to 2018 (RM16 million) and 2019 (RM12.4 million) as SMEs had not made any payment and no rebate had been claimed during the moratorium period of April - October 2020 announced by the Government to cushion the impact of COVID-19 pandemic.
Participating Islamic Financial Institutions SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 181 MSME Digital Financing Aspirasi Assist Initiative The brainchild of SME Corp. Malaysia which was officially launched on the 4th quarter of 2021, the MSME Digital Financing Initiative was lauded by MSMEs who are facing financial challenges, and strive to stay afloat during the COVID-19 crisis as well as during the flood disaster.
This timely assistance via a digital platform facilitates MSMEs, since business financial assistance can be channelled to MSMEs easily and quickly.

MicroLEAP PLT, a licensed Financial Intermediary is appointed to provide innovative and quick short- term financing solutions for MSMEs through their digital platforms where the processing time is much shorter compared to both conventional loans and grants reimbursement mechanisms.
SME Corp. Malaysia has contributed a seed fund of RM10 million to kickstart this initiative.
MSMEs can apply for short-term financing from a minimum of RM50,000 up to RM500,000 at a fixed financing rate of 2% per annum for the following: i) Working Capital financing for operating expenditure purposes to ease MSME’s cash flow position; and ii) Business Improvement financing to accelerate MSME’s growth for the following purposes only: • Purchase of Machinery & Equipment; • System, eCommerce, e-Payment and ICT Applications; • Packaging and Product Packaging; • Advertising and Promotion; and • Certification & Quality Management System.
The programme was launched by YBhg.

Dato’ Suriani Dato’ Ahmad, Secretary General of the Ministry of Entrepreneur Development and Cooperatives (MECD) on 22 December 2021.

As at February 2022, the fund has been fully utilised successfully benefitting 31 MSMEs from various sectors and industries.

SME Corp. Malaysia in its continuous efforts to empower MSMEs effected by the impact of the COVID-19 pandemic in the country has given assistance through digital financing solutions.
A Partnership Agreement with Aspirasi, a digital financing services provider under Axiata Digital is crucial for narrowing the financial inclusion gap, as well as to assist underserved MSMEs to embrace technology as the country moves towards a digital economy.
This collaboration benefits micro enterprises and through Aspirasi Assist, microenterprises can obtain shariah- compliant microfinance ranging from RM1,000 to RM20,000, that offers favourable terms, such as a six (6) month grace period, profit rates as low as 0.5% per month and approved applicants will receive funding within 48 hours.

Aspirasi Assist also provides micro-insurance as an additional benefit to protect approved applicants.
A Partnership Agreement with Aspirasi ... is crucial for narrowing the financial inclusion gap, as well as to assist underserved MSMEs to embrace technology as the country moves towards a digital economy.

182 Alternative Financing Webinar Sessions Eight (8) Alternative Financing Webinars were held by SME Corp. Malaysia under the supervision of the Ministry of Entrepreneur Development and Cooperatives (MECD) and in collaboration with various strategic partners.
They are namely: i ii One (1) webinar session – Alternative Financing as a new form of Financing for SMEs with Axiata Digital Capital (Aspirasi) held on 2 July 2021 in conjunction with the National SME Week 2021; Four (4) webinar sessions - eBizStart 2021 with Moneysave Sdn.

Bhd.
on: a) 16 June 2021; b) 18 November 2021; c) 25 November 2021; and d) 16 December 2021 iii MECD Webinar Series: a) “Advance Your Business with Crowdfunding” on 11 November 2021; b) “Funding and Investment Opportunities Through Crowdfunding” on 18 November 2021; and c) “Crowdfunding as a Driver of MSME Development” on 25 November 2021 This webinar session as a whole has successfully provided the latest information regarding alternative financing as an option to existing conventional financing and has successfully benefited a total of 3,537 MSMEs.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 183 MARKET ACCESS Glocal Linkages SME Programme (GLOSMEP) Introduced in 2021, the Glocal Linkages SME Programme (GLOSMEP) is an integrated platform for MSMEs and business partners to initiate business discussions and potential deals in accessing the domestic market as well as the global supply and value chain.
This is a strategic and timely initiative by SME Corp. Malaysia in their relentless efforts to spur MSMEs especially at a time when the businesses are just regaining their footing in the new normal scenario.
There are three (3) primary objectives of GLOSMEP: 1 To provide exposure to MSMEs on market opportunities locally and abroad 2 To provide a platform to help link businesses between MSMEs and large companies locally and abroad 3 To increase supply chain opportunities to MSME products and services to large companies locally and abroad The following were the various activities organised under the GLOSMEP flagship to meet the programme’s objectives: Sharing information on market opportunities in Malaysia and international markets through outreach seminars or webinar activities with MSME companies Development of virtual networks and a business-matching platform to help MSMEs promote their products and services to large companies The organisation of networking and business matching activities to enhance the potential of MSME products and services to become part of the supply chain of large companies 184 Virtual Business Matching (MatchMe) ii) Gives access to MSMEs to select relevant companies as potential business partners; iii) Connects MSMEs with potential business partners directly via a single platform virtually; iv) Saves time, cost and increases efficiency compared to conventional business meeting and matching; and v) Is accessible at any time and from anywhere.
Since its inception until 31st December 2021, a total of 851 MSMEs as well as 157 Multinational Corporations (MNCs) and large companies from Malaysia and abroad have participated in virtual business matching sessions conducted through this platform, successfully generating a sum of RM25.83 million in potential sales.
As one of many real case examples, this new development certainly demonstrates the fact that the COVID-19 pandemic has inadvertently helped to accelerate the digital transformation of Malaysian MSMEs, for instance, by allowing productive and efficient remote business meetings in reaching out to new potential clients and expanding business networks.

Both local and foreign buyers can easily source for the products and services of Malaysian MSMEs through MatchMe.
23 - 26 August 2021 The MatchMe platform is one of the main components under GLOSMEP which was introduced in June 2021 in the bid to continue to facilitate MSMEs’ access to markets in the new norm.

With the aim of connecting with worldwide businesses through networking and business matching virtually, MatchMe has three (3) main features: i) Showcase of products or services; ii) Access to an active database of businesses locally and globally; and iii) One-to-One networking and business meeting.
To assist MSMEs onboard this platform, SME Corp. Malaysia organised a series of webinars for information sharing and tutorials which would help them in getting the most out of this virtual platform.
In addition, MatchMe also: i) Provides opportunities to promote and market products and services to local and international markets; Until 31 December 2021, a total of 851 MSMEs as well as 157 Multinational Corporations (MNCs) and large companies from Malaysia and abroad have participated in virtual business matching.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 185 Webinar leverage their SME Corp. Malaysia also collaborates with market linkers to insights and business networks in specific business areas and geographical locations to assist our MSMEs to reach wider and better markets.
A total of six (6) webinars were organised in 2021 to enhance the awareness of MSMEs on market access opportunities and business tips, including for specific domestic markets such as hypermarkets, chain marts in the petrol station and international markets namely the United States, France and China.
A webinar entitled ‘Riding the Wave of RCEP into China’ was also organised in August 2021 to share insights on how MSMEs can benefit from the latest Free Trade Agreement (FTA) in which Malaysia is poised to become the 12th signatory of the Regional Comprehensive Economic Partnership (RCEP), which will come into force for Malaysia on 18 March 2022.
This is especially in the context of bringing Malaysian MSMEs on board to tap on the wealth of opportunities brought by the largest FTA in the world given that RCEP covers 15 countries with 2.2 billion or nearly a third (29.5%) of the world’s population.
Against this backdrop, SME Corp. Malaysia will continue to facilitate Malaysian MSMEs’ access to markets by strengthening collaboration with various stakeholders from both the public and private sectors as well as non-governmental organisations with a view to achieving optimum synergy for a win-win situation for all, especially for Malaysian MSMEs.
186 TECHNOLOGY AND INNOVATION Inclusive SME Ecosystem (I-SEE) SME Inclusive The Ecosystem Programme (I-SEE) is an inclusive innovation programme, which had as its predecessor, the High Impact Programme 6 (HIP 6).
HIP 6 was an integral part of the SME Masterplan its that ran completion is a in 2020. seamless continuation of the HIP 6 initiative that has improved on and extended the reach of certain aspects of HIP 6. from 2012 reaching I-SEE innovation pool The primary objective of this programme is enabling and empowering the rural transformation (B40) and improving rural business environment, urban poor communities, and more recently to mitigate the impact of COVID-19 on industries, as well as to further increase the in Malaysia.
The role of SME Corp. Malaysia and Yayasan Inovasi Malaysia (YIM), as its implementing agency, is to ensure I-SEE is a success.

Collaboration between the two parties has been established since the implementation of the HIP 6-Inclusive Innovation Programme and continues in the I-SEE programme.

Several I-SEE diffusion methods were deployed such as NGO@Makerthon, Social Enterprise, Rural community industrialisation, Product Licensing and Commercialisation by the private sector and Government agencies.
In year 2021, financial assistance has been approved for 20 companies with a total value of RM2.5 million.

Grant assistance for the I-SEE programme are categorised into four (4) business models: i. Innovator-Entrepreneur Model Maximum grant of RM200,000.00, for: a.

Intellectual property protection including prior art search; b.

Concept Design; c. Prototype Development; d. Product Testing and Validation, Pilot Project Testing among Users; and e. Certification for Compliance.
In addition, there is additional support given in Regulatory, Innovation Training and Entrepreneur Development among the community.

ii.

Community-Enablement Model Maximum grant of RM50,000, for innovations that benefit the community.

The grant scope includes Product Development, Industrial Design costs, Pilot Test, and Production Training.

iii.

Licensing Model It is for innovators who do not wish to be entrepreneurs but are willing to license their innovations to interested parties.
A maximum grant of RM50,000 for IP registration, Production of Commercial Prototypes, Industrial Design, and costs for Certification of Compliance, Standards, and Regulatory Process is offered.

iv.

IP Grant Model The financial facility of RM10,000 for registration of IP, Patent, Trademark, Copyright, Industry Design, Layout Design, and Geographical Indication is offered.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 187 MalaysiaBiz Portal: One Stop Business Registration and Licensing Portal launched The MalaysiaBiz Portal that was in December 2020 is a single window to facilitate online business registration and licensing.

The Portal aims to encourage formation of new businesses and enhance business formalisation by creating a business-friendly environment to increase the country’s competitiveness.
The MalaysiaBiz Portal was developed by the Malaysian Administrative Modernisation and Management Planning Unit (MAMPU) in 2016 as one of the high impact programme under the SME Masterplan (2012-2020).

The Portal was then spearheaded by the Ministry of Entrepreneur and Cooperatives Development (MECD) in December 2020 and subsequently handover to SME Corp. Malaysia in May 2021.
To date, there are nearly 3,000 information on licensing and registration at federal, state and local authority level from 6 registration bodies and 518 licensing authorities that have been uploaded onto the Portal, covering a total of 1,174 business activities.

Of it, 6 registration bodies and 66 licensing authorities have been integrated through the Portal.

MSMEs can access MalaysiaBiz Portal services through five (5) easy steps as follows: i.

Register User ID; ii.


Search for business registration and/or licensing; iii.

Apply for business registration and/or licensing; iv.

Check application status; and v. Approval.

The MalaysiaBiz Portal is one of the Government’s initiatives by providing better access to online services in realising the Digital Government agenda.
The MalaysiaBiz Portal also provides the business data purchasing facility through MyBiz-Data from the Companies Commission of Malaysia (CCM), interactive licence search, e-Support helpdesk, Myinquiry feedback and many others.

188 MSMEs Digitalisation Programme Malaysia’s Digital Economy Action Plan in the Twelfth Malaysia Plan, 2021-2025 (RMKe-12) has outlined plans to accelerate Malaysia’s progress as a technologically advanced economy towards prosperity in all economic sectors.
The NetSuite MSME Digitalisation Programme provides an integrated includes assistance package that financial assistance and advisory services to nurture dynamic, competitive, sustainable and highly productive MSMEs through digitalisation.

The implementation shall comprise activities which include adopting technology, for embracing advisory MSMEs, and ensuring MSMEs are ready to implement digitalisation in their production and operational systems.
services In 2021, 7 companies were approved assistance amounting to RM1.44 million as a pilot project for the MSME Digitalisation Programme by adopting NetSuite Business Software and Business Management Software using funds under the Business Accelerator Programme (BAP) 3.0.

In order to intensify the awareness of MSMEs in digitalisation, Technology Need Pitching (TNP) sessions were organised online during SMIDEX 2021 with the theme MSMEs: Revitalise!

from 1st to 23rd December 2021.


The sessions provide a platform for MSMEs to understand the current technology and innovation trends which necessitates the MSMEs to adapt post COVID-19.

The sessions also provide an avenue for MSMEs to identify technology needs in their business operations.

In addition, MSMEs have the opportunity to explore financial assistance options to execute their collaboration with technology providers.
The Programme for Enhancement of Strategic Industry and High Growth Enterprise (PRESTIGE) The Programme for Enhancement of Strategic Industry and High Growth Enterprise (PRESTIGE) under the Eleventh Malaysia Plan (RMKe-11) targets the development of SMEs in strategic sectors.

The objective of the programme is to boost the productivity of SMEs engaged in strategic industries technology adaptation, quality management and increased market access.
This will potentially enhance economic growth and employment opportunities while indirectly establishing SMEs that are competitive in the global market.

through Among the sectors being focused on are: i) Medical Devices; ii) Biotechnology; iii) Aerospace; iv) Rail; v) Agarwood; vi) LED/SSL; and vii) Oil & Gas.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 189 PRESTIGE is being continued under the Twelfth Malaysia Plan (RMK-12), which spans from 2021-2025, and has include the following sectors which are aligned with the National Entrepreneurship Policy (DKN 2030): i) Drones; and ii) Electrical & Electronics.
Under the PRESTIGE Programme, the activities are focused on capacity building and the provision of financial assistance in enhancing the capabilities of selected SMEs through the following approaches: i) Technology Adaptation Improving the technological capabilities of SMEs involved through the application of IR4.0-related activities in enhancing production capacity and efficiency; ii) Organizational Transformation Developing action plans for SMEs to address identified gaps and support changes in business processes through improved policies, procedures and processes based on specific industry needs; and iii) Marketing Strategy Developing marketing activities and strategies to expand the SME’s market globally.
The scope of assistance offered is in the form of matching grants with a maximum of RM400,000 for each selected SME by sector.

Since its implementation under the 11th Malaysia Plan, 137 SMEs have benefitted from this programme, with the majority of participating companies showing growth in terms of sales value and global market growth.
Among the achievement highlights of this programme are: i) Seven (7) out of ten (10) SMEs who have participated in the BioNext Initiative recorded an average sales growth of more than 20% from 2016 to 2018; ii) Out of the 30 SMEs participating in the Aerospace Manufacturing Initiative under this programme, 27 SMEs have obtained AS9100 certification which allows them to be part of the global supply chain for aerospace component manufacturing.
This has resulted in a 49% increase in sales revenue, from RM18.1 million in 2017 to RM26.9 million in 2019; and iii) The LED/SSL sector recorded an impressive increase in year-on- year sales rates with the highest percentage increase of 32% compared to the previous year.

initiative The SMEs under this have successfully penetrated the international market, having their presence in Myanmar, Thailand and Vietnam with the highest export sales recorded at RM13.2 million.
In 2021, a total of ten (10) SMEs participated under the Drone technology industry with financial allocation of RM4 million.
190 Launching of The Programme for Enhancement of Strategic Industry and High Growth Enterprise (PRESTIGE) in the Rail Industry (RIDP) 19 April 2021, at SME Corp Malaysia A total of eight (8) SMEs were selected to participate in the Rail Industry Development Program (RIDP) organised by the Ministry of Entrepreneur and Cooperative Development (MECD) through its agency, SME Corp. Malaysia, and the Ministry of Transport Malaysia (MOT) through the National Rail Centre of Excellence (NRCOE) and Technology Depository Agency Berhad (TDA).
This programme aims to identify and enhance the capacity of high-growth SMEs in the rail sector in line with the National Transport Policy 2019-2030 (DPN 2019-2030) and the National Entrepreneurship Policy (DKN 2030).

Selected companies participating in this programme would be involved in internal components of railway carriages; fiberglass panels, doors and gangways; as well as providing maintenance services for railway carriages, rail systems and brake systems.
the manufacture of At the launch, the appointment letters were handed to the eight (8) selected SMEs.

In addition, the Memorandum of Agreement (MoA) Exchange Ceremony between Mr. Rizal bin Nainy as Chief Executive Officer of SME Corp. Malaysia, and Dr. Sharoul Jambari as Chief Executive Officer of Technology Depository Agency Berhad (TDA) was also held.

Yang Berhormat Dato’ Sri Dr. Wan Junaidi Tuanku Jaafar, Minister of Entrepreneur and Cooperative Development and Yang Berhormat Datuk Seri Ir.
Dr. Wee Ka Siong, Minister of Transport Malaysia also attended the launch.

Opening Ceremony of Kaizan Aero Manufacturing Sdn.

Bhd’s New Building April 26, 2021, at Kaizan Aero Manufacturing Sdn.

Bhd., Taman Perindustrian Puchong, Selangor Kaizan Aero Manufacturing Sdn.

Bhd (KAMSB) is one of the SMEs participated under the PRESTIGE Program: Aerospace Manufacturing Initiative (AMI) which is involved in the manufacture of aerospace components.
The company manufactures galley refrigeration system and tubing fabrication products for commercial aircraft manufactured by Airbus and Boeing.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 191 Through initiatives under this programme, the company has successfully obtained NADCAP and AS9100 Revision D certification which is a quality management system according to international standards, increased productivity capacity in production with the addition of technology adaptation, increased production capacity with an average increase of 120% and provided opportunities jobs to local people.
The number of company employees has also increased from nine (9) employees in 2018 to 24 employees in 2020, including seven (7) local engineering and technical graduates.

The launching ceremony was also attended by YBhg.

Dato’ Suriani Dato’ Ahmad, Secretary General of the MECD, YBhg Dato’ Sri Syed Hussien Al Habshee, Chairman of SME Corp. Malaysia; Mr. Rizal Nainy, Chief Executive Officer of SME Corp. Malaysia and Mr. Lee Jack Son, Managing Director of Kaizan Aero Manufacturing Sdn.

Bhd.
Bhd.

PRESTIGE Gallery Walk at SMIDEX Showcase 2021 December 7, 2021, at Kuala Lumpur Convention Centre The Gallery Walk activity was held on 7 December 2021 which was physically conducted on the opening day of SMIDEX 2021 in the presence of Yang Amat Berhormat Dato’ Sri Ismail Sabri bin Yaakob, Prime Minister of Malaysia.

YAB Prime Minister walked through the foyer at the Kuala Lumpur Convention Centre (KLCC) and met with SMEs participating in the Gallery Walk.
A total of 20 SME companies were selected to participate in the Gallery Walk.

The SMEs involved are comprised of participants from various programmes and initiatives organised by SME Corp. Malaysia.
With the participation of SMEs in this Gallery Walk, SMEs have had the opportunity to meet with the YAB Prime Minister face to face and: i) Introduced products and services displayed on LED screens throughout the Gallery Walk; ii) Display the company profile along with the development and achievements of the company since its inception until now; and iii) Provide access to the company more easily with the information displayed in the LED screen.
192 BUMIPUTERA ENTREPRENEURS DEVELOPMENT PROGRAMMES Bumiputera Enterprise Enhancement Programme (BEEP) The Bumiputera Enterprise Enhancement implemented (BEEP), Programme is aimed at providing integrated assistance to Bumiputera MSMEs in an effort to create dynamic and resilient enterprises.

For the year 2021, SME Corp. Malaysia technical, and extended advisory, financial assistance to 315 Bumiputera entrepreneurs.
Designed to enhance their level of competitiveness in order to expand internationally, successful MSME applicants were evaluated based on SME Corp. Malaysia’s SCORE and M-CORE assessment systems.

The movement restriction imposed in March 2020 as a result of the COVID-19 pandemic did not deter the enthusiasm and determination to continue the TUBE programme.
Instead of implementing the trainings physically, SME Corp. Malaysia conducted the sessions online, shortened the training period ... SME Corp. Malaysia provides 90% matching grants for micro-SMEs, while small and medium size enterprises are allocated 60% and 50% respectively or a maximum of RM500,000, disbursed on a reimbursement basis.
The programme is expected to help Bumiputera MSMEs build their capacity by improving their product packaging, acquiring machine and equipment to enhance their product quality and production efficiency and conduct marketing and promotion campaigns to boost sales.

Meanwhile, premise rental assistance is exclusively provided for youth entrepreneurs.
Tunas Usahawan Belia Bumiputera (TUBE) Programme The Tunas Usahawan Belia Bumiputera (TUBE) programme, conceptualised in 2014, is aimed at instilling and nurturing the spirit of entrepreneurship among Bumiputera youths, building resilience in managing their businesses, and serving as a platform to initiate a paradigm shift from being an employee to a business owner.
This three phase programme aims youths within the age range of 18 to 30 years old, including graduates of institutions of higher learning, to start their own business as a career of choice.

In Phase One, participants are required to undergo a physical training boot camp, followed by a business foundation workshop under Phase Two before they are provided with grants of up to RM15,000 together with advisory service through the buddy system over the next twelve months.
To widen its inclusivity, SME Corp. Malaysia has since 2018 expanded the programme to cover youths in the B40 category, those in the rural areas, disabled youths and those prescribed as Asnaf by the religious authority.

SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 193 The movement restriction imposed in March 2020 as a result of the COVID-19 pandemic did not deter the enthusiasm and determination to continue the TUBE programme.
Instead of implementing the training physically, SME Corp. Malaysia conducted the sessions online, shortened the training period to ten (10) days, and remodeled the training curriculum to be more practical for better understanding.

As at 31 December 2021, SME Corp. Malaysia has successfully conducted nine (9) training sessions for 6,782 Bumiputera youths.
SME Corp. Malaysia is proud to acknowledge that 6,625 (98%) of them have started their business operations with accumulated sales valued at RM135.7 million.

The programme has also created 11,767 job opportunities with an average of more than one job opening by each company.

... proud to acknowledge that 6,625 (98%) of them have started their business operations with accumulated sales valued at RM135.7 million.
The programme has also created 11,767 job opportunities with an average of more than one job opening by each company.

194 Program Galakan Eksport Bumiputera (GEB) The Galakan Eksport Bumiputera (GEB) programme is in collaboration with Majlis Amanah Rakyat (MARA) and aims at encouraging, assisting and eventually increasing the number of qualified and high-performing Bumiputera SMEs that show good export market potential to penetrate the international markets.
Toward this end, SMEs that meet the stringent requirements and obtain the required SCORE rating are then equipped with the needed capacity and competitiveness.
Each selected candidate is offered a matching grant amounting to a maximum of RM500,000 and a soft loan of up to RM5 million as working capital required Each selected candidate is offered a matching grant amounting to a maximum of RM500,000 and a soft loan of up to RM5 million as working capital required to improve productivity, develop brand identity and acquire international certification and standard compliance before they go global.
MATCHING GRANTS AND SOFT LOANS OFFERED TO BUMIPUTERA SMES AS OF 31 DECEMBER 2021 99 Total applicantions approved 75 Applicants received matching grants (RM7.96 million) 24 Applicants were offered soft loan (RM54.26 million) RM62.22million Total financing amount to improve productivity, develop brand identity and acquire international certification and standard compliance before they go global.
As at 31 December 2021, SME Corp. Malaysia has approved 99 applications from Bumiputera SMEs with total financing valued at RM62.22 million and 75 approved applicants received matching grants amounting to RM7.96 million.

The remaining 24 approved applicants were offered soft loans with total approval amounting to RM54.26 million.

They are expected to penetrate into untapped United Kingdom, Saudi Arabia, Japan, Australia and Indonesian markets.
Throughout 2021, SME Corp. Malaysia conducted two (2) pre-export online training sessions which attracted 192 export-ready Bumiputera SMEs.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 195 MICROENTERPRISES DEVELOPMENT PROGRAMME Micro Connector Programme The Micro Connector Programme is one of SME Corp. Malaysia’s continuous initiatives to develop microenterprises and the inclusive community which include women, youth, B40, indigenous people, disabled people and others in the country.
The Programme aims to provide simplified early-stage assistance facility for microenterprises to set up and run a business more efficiently as well as to train the inclusive community to gain new skillset to generate income through entrepreneurial activities.

Micro Connector is designed to complement the latest business ideas in the start-up ecosystem by focusing on new and upcoming market segments and creativity in doing business, particularly for aspiring entrepreneurs.
Under this Programme, microenterprises are provided with Technical Assistance to facilitate them in running their business effectively and efficiently.

For the inclusive community, they will benefit from the Competitive Skills Assistance that will serve as a tool for them to venture into business activities and increase their household income.

SME Corp. Malaysia appoints Delivery Partners which consist of companies and organisations that offer programmes in selected focus areas.
SME Corp. Malaysia provides assistance in the form of participation cost financing for competitive skills and technical assistance of up to 90% which is channelled via the appointed Delivery Partners.
Since its inception in 2019, SME Corp. Malaysia has offered a total of 37 initiatives 196 involving various assistance packages and skills enhancement which include several focus areas as follows: • Digital Adoption, e-Commerce, e-Payment & ICT Applications (22 programmes / 17,205 participants) • Health and Lifestyle (4 programmes / 1,240 participants) • Antenatal and Postnatal Care (1 programme / 300 participants) • Creative Crafts (3 programmes / 187 participants) • Machinery and Equipment (2 programmes / 85 participants) • Food Preparation Services (2 programmes / 74 participants) • Early Childhood Care (2 programmes / 60 participants) • Smart Farming (1 programme / 20 participants) Women Netpreneur Programme Until 31 December 2021, a total of 19,171 participants comprising the inclusive community and micro enterprises have successfully benefited from this programme.
In 2021, a total of 31 programmes were implemented through 26 appointed Delivery Partners which have benefited 11,148 participants.

Of the total participants, 49% are women and 26% are youths.

The positive impact that can be seen from the implementation of this programme is that all participants have achieved a 100% increase in terms of income generation with an average increase of income between 20% - 50% as compared to before their participation.
In line with the new norms of post-COVID-19 including in the field of business, the programme has successfully assisted 87% of the participants to adopt business digitalisation.

The Women Netpreneur Programme organised in collaboration with Gorgeous Geeks is supported by SME Corp. Malaysia through its Micro Connector Programme.
The objective of Women Netpreneur is to provide opportunities for women entrepreneurs and micro enterprises to upskill themselves with digital technology, especially that which is related to e-commerce and subsequently conduct their businesses online.

The Programme also aims to ensure that women entrepreneurs continue to have a presence in the evolving business landscape and be engaged in technology adoption to increase productivity.
This has become a necessity in the post-pandemic era with the emergence of e-commerce as a forerunner in businesses.

Despite the COVID-19 pandemic-induced challenges throughout 2021, Women Netpreneur was successfully carried out virtually.
Five (5) sessions were held for the adoption of e-commerce which included several modules such as digital marketing, e-payment, e-commerce platform and sharing of women entrepreneurs’ success stories in digital businesses, which benefitted a total of 653 women entrepreneurs.

The response and feedback received from Women Netpreneur participants were encouraging as 80% have subscribed e-commerce platforms such as Shopee, Facebook and PrestoMall to start their own online businesses.
In addition, 55% of participants were willing to invest to start an e-commerce business.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 197 Women Netpreneur Programme • To provide opportunities for women entrepreneurs and micro enterprises to acquire new skills especially related to e-commerce and subsequently conduct business online • To ensure that women entrepreneurs continue to be in the changing cycle of the new business landscape - key megatrends that will transform business around the world through the adoption of technology in business Adaptation Session: Trade & Registration Overview Sharing sessions on tools & technologies in the field of e-business e-Commerce Workshop by Platform Provider An explanation on the process of setting up an e-commerce platform to start sales Online Business Workshop Focus on brick & mortar business for improvement through the Business Model Canvas TRAINING MODULE (August - November 2021) MODULE 1 Netpreneur Insight / Sharing Module 2 e-Commerce Platform Module 3 Social Media Platform Module 4 Digital Marketing Module 5 Logistics / Packaging Module 6 e-Payment / Wallet Programme organised by: Gorgeous Geeks NUMBER OF WOMEN ENTREPRENEURS BENEFITED FROM THE WOMEN NETPRENEUR PROGRAMME 2017 - 2021 2017 : 609 Participants 2018/2019 : 983 Participants 2020 : 495 Participants 2021 : 653 Participants TOTAL : 2,740 Participants Participant’s Feeedback • 80% subscribe to e-commerce platforms (Facebook, Shopee and PrestoMall) • 55% are willing to invest more than RM500 to start an online business 198 s e i r o t S s s e c c u S Women Netpreneur
 Programme 2021: Participants’ Success Stories 1 Ms. Cecelia Anak Lagakis the founder of CC Beauty, which operates in Bintulu, Sarawak.
The company manufactures skin care products under the brand name ‘CC Beauty’.

By participating in the Women Netpreneur Programme 2021, Ms. Cecelia has successfully expanded her business network and increased sales through e-commerce platforms.

2 Ms.

Ain Zakiah Zaharullail is a reseller of skin care products.
Through the Women Netpreneur Programme 2021 she has learned how to include relevant product information onto social media platforms to gain product visibility, as well as gain the know-how on how to design a website to attract more customers.

She has also successfully opened an account on the Lazada platform to promote her products.

The reassuring feedback from Ms.

Ain is that there has been a significant increase in her sales.
Despite the COVID-19 pandemic situation, she was able to maintain the momentum of her business.

3 Ms. Anne Marie Kim is an Administration Manager of BT Metal (M) Sdn.

Bhd., a manufacturer of chromium copper products operating in Puchong Utama, Selangor.

After participating in the Women Netpreneur Programme 2021, she has successfully increased sales and has gained digital marketing knowledge to promote her business through online platforms.
She has also learned effective methods to brand her products and has gained from other entrepreneurs through sharing sessions during the programme.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 199 OUTREACH SME Hub SME Hub serves as a platform for Micro, Small and Medium Enterprises (MSME) to acquire knowledge, learn best business practices and obtain essential information on business start-ups, access to market, human capital development, financial resources, industry know-how and various other business aspects.
SME Hub aims to equip MSMEs with clear and focused information as well as knowledge to aid their development in Malaysia.

Prior to this, information on entrepreneurship was limited.

Now with SME Hub, MSMEs can access relevant information online and offline.

To ensure this initiative covers the MSMEs in rural areas, ‘SME Hub On-Wheels’ was introduced to assist in providing business advisory services within these areas.
Information provided through this platform is not limited to programmes implemented by SME Corp. Malaysia, but also those under Ministry of Entrepreneur Development and Cooperatives (MEDC) as well as agencies under MEDC such as TEKUN, INSKEN, Malaysia Co-operative Societies Commission (SKM), Cooperative Institute of Malaysia (IKM), SME Bank, Bank Rakyat, UDA Holdings, Perbadanan Nasional Berhad (PERNAS), Perbadanan Usahawan Nasional Berhad (PUNB), and Amanah Ikhtiar Malaysia (AIM).
The following are the services and related information centres available at SME Hub: i) Business advisory services; ii) SME Hub links (collaboration with other Government agencies and organisations); iii) Pocket Talks; iv) Info Centre (Info Mail and Info Line); v) Resource Centre; vi) MSME Product Gallery; and vii) Virtual SME Hub (SME Corp. Malaysia website, SMEinfo Portal, MyAssist MSME Portal) Enterprises seeking online business advice from SME Corp. Malaysia’s certified business counsellors, may now opt for this free service through the MeetME feature via the MyAssist MSME portal.
SME Hub ensures fast, accurate and comprehensive dissemination of information to MSMEs and the public through physical and virtual outlets and it is encouraging that in 2021, the reach was to over 30,000 MSMEs, exceeding the target for 2021.
33,086 MSMEs REACHED 3,669 visitors assisted 2,844 emails answered 25,981 calls answered 592 Info booth visitor 12 info booths 200 SME Week is an initiative under the National Entrepreneurs and SME Development Council (NESDC) chaired by the Yang Amat Berhormat Prime Minister.

SME Week has been held yearly since 2012 in conjunction with the United Nations International MSME Day celebrated yearly on 27 June.
A total of 73 webinars were broadcasted garnering 40,789 viewers, 520 booths on the e-Exhibition with participation from 506 SMEs, 45 Ministries, seven (7) celebrities, Agencies and Financial Institutions exhibitors which recorded 33,177 virtual visitors.
SME Week 2021 was officiated by Yang Amat Berhormat Prime Minister on the 30 June 2021 through the newly set up virtual portal called MyAssist MSME which is an initiative that is part of the National Economic Regeneration Plan (PENJANA) and is designed exclusively for SMEs.
As in previous years, the National SME Week 2021 was coordinated by SME Corp. Malaysia in collaboration with various ministries, agencies and stakeholders from the private sector, and was held from 26 June to 4 July 2021, with a difference in that everything was conducted virtually.
With the theme “Small Businesses, Big Ideas”, the aims of the National SME Week were to acknowledge the contributions of SMEs as the backbone of the national economy, to raise awareness and promote local SME products and services, to foster entrepreneurial culture, as well as to act as a platform for new information to be disseminated to the SMEs.

During SME Week, various events were organised, including sales exhibitions, business matching sessions, seminars, and many more.
Apart from creating new business linkages and investment opportunities, the National SME Week also allowed SMEs greater access and facilitation to financing.

Through this MyAssist MSME portal, SMEs can be assisted on issues related to: i.

Business Advisory and Information; ii.

Digital Marketing and Opportunities; iii.

Business Innovation and Technology Support; iv.

Business Matching Consultations; and v. Online Multiple Initiatives Linkages.
Overall, through the MyAssist MSME portal, SME Week 2021 recorded a total of 188 registered users with 33,177 virtual visitors browsing the portal.

A total of 73 webinars were broadcasted garnering SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 201 40,789 viewers, 520 booths on the e-Exhibition with participation from 506 SMEs, 45 Ministries, seven (7) celebrities, Agencies and Financial Institutions exhibitors which recorded 33,177 virtual visitors.
The SME Info portal also recorded 2,029 visitors during the SME Week 2021.

MeetMe sessions on the MyAssist MSME portal provided online business counselling and 352 Business Counselling slots opened up, recording 27 enquiries on multiple topics such as e-Commerce financing, human resource management, intellectual property, operations, packaging and others.
Through the MatchMe portal, 52 Business Matching sessions were organised and this generated RM9.66 million potential sales involving 228 SMEs and 22 Anchors.

The participants were: i. Hypermarkets - Lulu Hypermarket, Segi Fresh, Lotus’s; ii.

Local Supermarkets - Pasaraya Smart Semambu, Pasaraya Irsyad Balok; iii.

Pattani ASEAN Mall, Pasaraya Koop Ummah, Pasaraya MIXO; iv.

Supermarket TF Value Mart; v. Financial Institutions - UOB, Bank Rakyat, CGC, SME Bank, TEKUN; vi.
Telecommunication Networks - Celcom Axiata, TM One; and vii.

Logistic provider - Tapaw.

202 MyAssist MSME Portal MyAssist MSME portal is a Government initiative under the Pelan Jana Semula Ekonomi Negara (PENJANA) that was announced by Yang Amat Berhormat Prime Minister of Malaysia on 5 June 2020.

The Launch of MyAssist MSME was held virtually via Facebook Live on 30 June 2021 in conjunction with SME Week 2021 by Yang Amat Berhormat Prime Minister of Malaysia and Yang Berhormat Minister KUSKOP.
MyAssist MSME was created to assist MSMEs by: i) Obtaining information and advisory services on conducting business especially during post COVID-19; and ii) Offering business advisory and financial facilities information, trade facilitation innovations, technology support and information dissemination through webinar sessions.
services Components of MyAssist MSME consists of: 1 Information Centre Collection and dissemination of information on incentives under the Economic Stimulus Package as well as MSME development programmes.

2 Advisory Services a. Online and offline platform initiatives to assist MSMEs through business advisory and consulting services, financial facilities information, trade facilitation, seminar/ webinars, branding and technology support.
b. MeetMe is a platform to enable MSMEs to make online booking for an appointment with certified Business Counsellors / Agencies / Financing Institutions to acquire advisory sessions.

3 MatchMe Platform MatchMe is an online business matching service with participation from various anchor companies from Multinational Companies (MNCs), Government Linked Companies (GLCs), hypermarkets, international companies and e-commerce platform providers.
4 A Feedback Medium Gathering feedback through direct interactions on the implementation of incentives by the Government and current situations for MSMEs.

SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 203 Information source – SMEinfo Portal; MyAssist MSME portal integrates all information related to assist MSMEs on available financial facilities, business innovation as well promoting a comprehensive online and offline advisory services under one portal.
Among the services available on the MyAssist MSME portal are: i) ii) Online Business Advisory (MeetMe); iii) Webinar / Sesi Soal Usahawan; iv) Payment Gateway; v) Technology Support; vi) MyAssist MSME Mobile Application; vii) Integration with online B2B Business Matching platform (MatchMe); viii) Integration with e-commerce platform (e-Market place); and ix) e-Exhibition.
As of December 2021, the MyAssist MSME Portal has achieved over more than 200,000 outreach through the SMEinfo Portal, MeetMe Sessions, Webinars, e-Exhibitions and MatchMe.

Registered Users: 1,073 Visitors: 87,096 Visitors: 50,467 No.

of Business Advisories: 143 No.

Business Advisory Slots: 1,820 No.

of Sessions: 73 Viewers: 54,469 No.

of Booths: 520 No.

of MSMEs: 506 No.

of Ministries / Agencies / Fls: 45 Visitors: 30,400 No.
of Companies: 545 Anchor Companies: 59 Business Matching Sessions: 160 Potential Sales: RM24.7 million The number of registered users for the MyAssist MSME portal was recorded as 1,073 users in total for year 2021.
204 Akademi Seni Budaya dan Warisan Kebangsaan (ASWARA) Study Tour to SME Corp. Malaysia (16 December 2021) Visit from Usahanita Persatuan Anak Melayu Johor (PAMJ) (1 April 2021) SME CORP. MALAYSIA ANNUAL REPORT 2021 Reaching Out Through Social Media FLAGSHIP PROGRAMMES AND INITIATIVES 205 SME CORP. MALAYSIA’S OUTREACH STATUS VIA SOCIAL MEDIA THROUGHOUT 2021 Facebook Instagram Twitter YouTube Telegram Linkedin 74,356 Number of Followers 8,818 Number of Followers 14,881 Number of Followers 789 Number of Subscribers 2,540 Number of Subscribers 8,082 Number of Followers 505 Number of Postings 635 Number of Postings 479 Number of Postings 196 Number of Postings 296 Number of Postings 90 Number of Postings 206 Soal Usahawan Soal Usahawan was initiated on 10 June 2020 with a series of sessions anchored by professional moderators deliberating on many business issues with guest speakers comprising industry experts, professionals, and successful MSMEs.
It serves as a platform featuring services such as business advisory, knowledge sharing and information dissemination.

It also provides an avenue for entrepreneurs to interact, exchange ideas and build business networks among themselves.

In 2021, Soal Usahawan gained a total of 34,604 viewers from the 25 online sessions.

The public can view Soal Usahawan slots from SME Corp. Malaysia’s social media platforms such as Facebook Live and YouTube.
To expand its viewership and wider coverage, SME Corp. Malaysia collaborated with strategic partners and industry experts to curate suitable topics that are current and relevant to the MSMEs.

All webinars can also be viewed after the live broadcast on the MyAssist MSME portal.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 207 SOAL USAHAWAN ORGANISED IN 2021 20 January 2021 ‘Inovasi Norma Baharu’ 27 January 2021 ‘Pembiayaan Perusahaan Kecil (Aspirasi)’ 3 February 2021 ‘PRIME & GO2 Brand’ 10 February 2021 Bahana COVID-19’ 17 February 2021 Kepentingan ‘Trademark’ dan ‘ISO’ untuk Perniagaan 24 February 2021 Navigating Your Business in COVID Times 3 March 2021 Insentif PKS oleh PERKESO 10 March 2021 Warong Rider 17 March 2021 Inovasi Inklusif 24 March 2021 Rasuah Liabiliti Korporat 31 March 2021 Pembiayaan Mikro Kredit 14 April 2021 Ketupat Digital - ‘Trobek Raya’ 21 April 2021 Pembiayaan Halal ke Arena Global’ 5 May 2021 MarketMe: Peluang dan Cabaran PKS ke Hypermarket dan Stesen Minyak 2 June 2021 Teknik-Teknik Pembiayaan Projek 16 June 2021 Hidup Mati PKS 23 June 2021 Minggu PKS 14 July 2021 Memperkasakan Usahawan Wanita di Malaysia 28 July 2021 Pembiayaan Pengukuhan PKS’ 11 August 2021 Peluang PKS Menembusi Pasaran Amerika Syarikat dan Perancis 8 September 2021 Forum Anti Rasuah ‘Usahawan Berintegriti Tolak Rasuah’ 22 September 2021 Luaskan Pasaran Perniagaan anda Bersama Aeon 29 September 2021 From Hunter to Creator 27 October 2021 ‘Jom Apply Halal’ 3 November 2021 Insurans Menyusahkan?
Betul ke Salah?

208 SME Annual Showcase–SMIDEX 2021 The SME Annual Showcase–SMIDEX was established in 1996 when SME Corp. Malaysia was known as the Small and Medium Industry Development Corporation (SMIDEC).
Over the past 25 years, SMIDEX has grown to be the best platform in empowering the MeetMe Number of slots opened : 1,480 Number of SMEs : 42 seeking advice Number of agencies : 33 Number of business councellors : 146 MatchMe Number of SMEs involved : 268 Number of anchor : 20 (local) participation 114 (international) Sales potential : RM5.8 million Number of business matching : 82 sessions conducted E-Pameran Total SMEs involved : 116 Total Ministries/ Agencies / : 18 MNC/ GLC/ FI/ Sponsors Total virtual visitors : 7,060 Direct sales : RM203,140 Technology Need Pitching Total TNP sessions : 3 Total viewers : 1,728 Biz Talk Total Pocket Talk sessions : 710 Total viewers : 4,543 SME community and international participants with pragmatic ‘functional knowledge’ and in establishing new benchmarks in business advancement.
The year 2021 is the 21st year of the SME Annual Exhibition–‘SMIDEX 2021’ and is an annual flagship event that highlights Malaysian SMEs with the best capabilities and abilities in offering products, services and technologies for the global market.
It is a platform for local SMEs to explore new markets and global market supply chain opportunities through: i) Product & Service Exhibition; ii) Product Launch & Presentation; iii) Business Matching; iv) Panel Discussion with Experts; v) Exchange of Ideas for Technology & Innovation; and vi) Expanding Business Network.
For the first time, since its inauguration in 1996, the SMIDEX 2021 was organised virtually through the MyAssist MSME portal in showcasing more than 100 exhibitors with participation from both local and international companies, organizations and Government agencies.
Themed ‘SME Revitalise: PKS Bangkit Semula’, this exclusive interactive event featured sustainable and resilient SMEs, industry experts, experienced practitioners and thought leaders sharing and exchanging their knowledge to address the needs of Malaysian SMEs to manoeuver through the challenging pandemic time.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 209 INTERNATIONAL COOPERATION Asia-Pacific Economic Cooperation (APEC) MSME Development Initiatives APEC is a leading economic forum which supports sustainable economic growth and prosperity in the region.
There is a robust collaboration among the grouping’s 21 member economies in pursuing the agenda to build a dynamic and harmonious Asia-Pacific community through championing free and open trade and investment; promoting and accelerating regional economic integration; encouraging economic and technical cooperation; as well as facilitating a favourable and sustainable business environment.
To support activities in the above- mentioned two (2) focus areas, APEC has conducted various programmes and introduced initiatives highlighting the digital economy, business ethics, market access, and internationalisation.

On-going key initiatives under the SMEWG include continuous sharing of best practices among member economies at the SMEWG meetings.
The SME Working Group (SMEWG) champions the inclusive development of sustainable, resilient and innovative SMEs, addressing concerns with regard to the growth of MSMEs in the Asia Pacific region.
All member economies continue to implement measures under five (5) priority areas of the APEC (SMEWG) Strategic Plan 2021 - 2024, namely: i) Entrepreneurship, innovation, and start-ups; ii) MSME access to international markets and global value chains (GVCs); iii) Inclusive capability development towards digitalization; iv) Access to finance and alternative financial solutions; and v) Interaction between the Government and businesses.
The 26th APEC SME Ministerial Meeting which was held virtually in Wellington, New Zealand on 9th October 2021 culminated in navigating the recovery of MSMEs from the impact of the COVID-19 pandemic as the focal point in the ministerial statement which covered two (2) sub-topics: i) Supporting MSMEs the COVID-19 through pandemic; and ii) Promoting the inclusive development of sustainable, resilient, digitally enabled and innovative MSMEs for recovery.
The 52nd APEC SMEWG Meeting was held from 23rd - 24th September 2021 in New Zealand.

Under the APEC SMEWG, the committee endorsed the SME Working Group Strategic Plan 2021 - 2024.

The five (5) year plan provides a set of objectives, aligned with the five (5) priorities and agreed upon among the 21 economies.

The SMEWG has taken into consideration not only the current challenges MSMEs must face, but also the declarations and statements issued by APEC Leaders, APEC Ministers and APEC SME Ministers.
This includes documents such as the APEC Iloilo Initiative: Growing Global MSMEs for Inclusive Development, the Boracay Action Agenda to Globalize MSMEs (BAA), the APEC Strategy for Green, Sustainable and Innovative MSMEs, as well as the APEC Initiative on Promoting Innovative Start-ups.

The SMEWG will focus on the five (5) priority areas as stipulated in its Strategic Plan 2021 - 2024.
210 APEC Policy Dialogue on SMEs and Entrepreneurship Framework: Let’s be Coherent and Cohesive Malaysia continues to pursue the MSME development agenda through the APEC fora by organising the APEC Policy Dialogue on SMEs and Entrepreneurship Framework: Let’s be Coherent and Cohesive, which was held virtually from 7 - 9 September 2021.
The Programme was supported by the active participation of 197 local and international participants including moderators, speakers, focal points, and participants who were key stakeholders from the Governments and private sectors as well as the academia from 15 APEC economies namely Brunei Darussalam, Canada, People’s Republic of China, Indonesia, Japan, Republic of Korea, Malaysia, Mexico, Peru, The Philippines, Singapore, Chinese Taipei, Thailand, United States of America, and Viet Nam.
Organised by the Ministry of Entrepreneur and Cooperatives Development through SME Corp. Malaysia, the three (3) day programme had the following objectives: 1 2 3 To develop inclusive and comprehensive MSMEs and entrepreneurship policy to be adopted by the APEC economies To harmonise the roles of entrepreneur development policies and programmes to support the APEC economic agenda To create a conducive and integrated MSMEs and entrepreneurship ecosystem among the APEC economies SME CORP. MALAYSIA ANNUAL REPORT 2021 The three (3) day programme comprised: 1 2 3 A Panel Dialogue among the public and private sectors to share best practices in formulating comprehensive MSMEs and entrepreneurship policies Breakout Sessions based on six (6) focus areas namely innovation and technology adoption, human capital development, access to financing, market access, legal and regulatory environment, and infrastructure A Roundtable Discussion to deliberate and produce policy recommendations on the six (6) focus areas as a basis for an APEC entrepreneurship policy framework FLAGSHIP PROGRAMMES AND INITIATIVES 211 A total of 27 policy recommendations were successfully derived under the six (6) focus areas (Innovation and Technology Adoption, Human Capital Development, Access to Financing, Market Access, Legal and Regulatory Environment, and Infrastructure) which have been identified as the levers to accelerate MSME growth.
The inclusiveness.

The policy recommendations were also premised upon three (3) areas that MSMEs need to adopt to navigate under the new normal-sustainability, digitalisation & innovation, as well policy as recommendations were endorsed by the APEC SME Working Group (SMEWG) on 24th September 2021.

Malaysia encouraged officials to consider and adopt these policy recommendations as a guideline for member economies to use to complement their work in the APEC SMEWG.
212 ASEAN MSME Development Initiatives dominate Based on the ASEAN Business Sentiment Survey 2020, MSMEs the ASEAN business environment accounting for an average of 97.2% of a country’s total enterprise.

On the other hand, MSMEs contributions to Gross Domestic Product (GDP) in ASEAN countries averages 4.1%, with a compounded growth rate of 2.3%.

MSMEs are significant jobs creators in ASEAN, contributing to more than 65% of total employment in the region for the duration 2010-2019.
By country, Viet Nam recorded the highest increase in MSME employments based on Compound Annual Growth Rate (CAGR) of 6.4%.

By sector, most MSME employees are in the wholesale and retail segments.

SME Corp. Malaysia, as an agency under the MECD has assumed a supporting in the ASEAN Coordinating role Committee on Micro, Small and Medium Enterprises (ACCMSME).

The ACCMSME Meeting is held bi-annually in rotation among ASEAN member states.
In 2021, the 11th ACCMSME was held from 5-9 April 2021 virtually and was organized by Lao PDR while the 12th ACCMSME was held in Brunei from 1-5 November 2021.
ACCMSME priority deliverables for 2021 are: i) Strengthening the implementation of MSME data collection mechanism in ASEAN by developing a cross-sectoral, multi-year collaborative framework to increase the availability of MSME data, nationally and regionally, including through the implementation of unique business identification numbers; ii) Advocating the institutionalisation of safety-net measures to support micro and small businesses that can be quickly activated in times of crises, calamities and natural disasters, including exploring the topic of insolvency policies and support programmes for MSMEs; iii) One-day hybrid conference on “Farming Technology: Empowering ASEAN Youth Entrepreneurs in Shaping Agriculture Sector”; and iv) Completion of the mid-term review of SAP SMED 2025 (carried over from 2020).
The 53rd ASEAN Economic Ministers (AEM) Meeting was held from 8-9 September 2021 via video conference.

The Meeting, under the theme “We Care, We Prepare, We Prosper” was preceded by a preparatory meeting of the ASEAN Senior Economic Officials (SEOM) and joint meetings with the 35th ASEAN Free Trade Area (AFTA) Council and the 23rd ASEAN Investment Area (AIA) Council.
The Meeting commended the launch of the ASEAN Access web portal, with the tagline “Your Business Information Gateway to ASEAN and Beyond”, to facilitate businesses’ access to international markets and to take advantage of the ongoing process of ASEAN integration.
The Meeting welcomed the finalisation of the mid-term review of the ASEAN Strategic Action Plan on SME Development (2016– 2025) and looked forward to the second phase of implementation focusing on enhancing access to markets, finance, and skills among MSMEs, responding to the changing contexts and emerging megatrends as well as impacts faced by MSMEs from the COVID-19 pandemic.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 213 SME Corp. Malaysia US-ASEAN Business Council jointly co-organised WEBINAR SESSION Enabling Digital Capabilities of Malaysian SMEs through the COVID-19 Crisis More than 200 participants consisting of business owners and executives of Malaysian MSMEs attended In order for Malaysian MSMEs to survive the COVID-19 pandemic, it is crucial to accelerate the pace of digitalisation, including the adoption of digital payments and e-commerce.
Therefore, it is vital for MSMEs to enhance their digital capabilities skills and transform their businesses to emerge stronger and to accelerate economic recovery.

Enabling Digital Capabilities of Malaysian SMEs through the COVID-19 Crisis On 15 July 2021, SME Corp. Malaysia jointly co-organised the webinar session entitled, “Enabling Digital Capabilities of Malaysian SMEs through the COVID-19 Crisis” with the US-ASEAN Business Council.
More than 200 participants consisting of business owners and executives of Malaysian Small and Medium Enterprises (MSMEs) attended the virtual programme.

Ambassador Michael Michalak, Senior Vice President and Regional Managing Director of the Council delivered his opening remarks before the webinar was officiated by the Guest of Honour, YBhg.
Dato’ Suriani binti Dato Ahmad, Secretary General of the Ministry of Entrepreneur and Cooperatives Development, Chair of ASEAN Coordination Committee of MSME (ACCMSME) 2021.

The webinar began with the first session by Mr. Amrul Nazri Abdullah, Director of International Cooperation Division of SME Corp. Malaysia.

Mr. Amrul discussed the launch and successes of the MyAssist MSME portal and MatchMe, an online one-stop advisory platform to assist MSMEs.
He also shared information about the ASEAN SME Academy, an online learning platform for ASEAN small businesses.

The webinar served as a testament to the close working relationship between SME Corp. Malaysia and the US-ASEAN Business Council and to how they remain committed to empowering ASEAN MSMEs.

The topics covered in the webinar highlighted initiatives and assistance offered to the MSMEs by various stakeholders such as the Malaysian Digital Economy Corporation (MDEC), VISA and Facebook.
In order for Malaysian MSMEs to survive the COVID-19 pandemic, it is crucial to accelerate the pace of digitalisation, including the adoption of digital payments and e-commerce.

Therefore, it is vital for MSMEs to enhance their digital capabilities skills and transform their businesses to emerge stronger and to accelerate economic recovery.
214 Free Trade Agreement Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP) The meeting between the Comprehensive for and Progressive Agreement (CPTPP) Trans-Pacific Partnership Committee on Cooperation and Capacity Building and the Committee on Development was held virtually on 6 and 7 July 2021.

Delegates from the following CPTPP members participated: Australia, Brunei Darussalam, Canada, Chile, Japan, Malaysia, Mexico, New Zealand, Peru, Singapore and Viet Nam.
Ms. Onishi Tomoko of the Ministry of Foreign Affairs of Japan chaired the Committee.

The main objective of the RCEP is to establish a modern, comprehensive, high-quality and mutually beneficial economic partnership to facilitate the expansion of regional trade and investment and contribute to global economic growth and development.
Regional Comprehensive Economic Partnership (RCEP) Malaysia is a signatory to the Regional Comprehensive Economic Partnership (RCEP), a trade agreement between the 10 members of ASEAN, Mainland China, Japan, South Korea, Australia and New Zealand.

The RCEP, an ASEAN-driven initiative, marks the amalgamation of existing free-trade agreements (FTAs) between ASEAN and partner countries.
The main objective of the RCEP is to establish a modern, comprehensive, high-quality and mutually beneficial economic partnership to facilitate the expansion of regional trade and investment and contribute to global economic growth and development.
For the SMEs Chapter, the area of cooperation encompasses encouraging innovation and the use of technology; promoting awareness, understanding and the effective use of the intellectual property system; promoting good regulatory practices and building capacity; as well as sharing best practices on enhancing the capability and competitiveness of SMEs.
The benefits of RCEP to MSMEs cover: i) A 65% tariff reduction for goods trade; ii) Businesses being able to trade with clearer regulations; iii) Facilitating job creations and new investments; iv) Gaining market access and sources for raw material and labour; v) Facilitating advanced technical cooperation through digitalisation and smart manufacturing; vi) Enabling greater inclusion in global and regional supply chains; SME CORP. MALAYSIA ANNUAL REPORT 2021 FLAGSHIP PROGRAMMES AND INITIATIVES 215 vii) Ensuring greater transparency and stronger discipline on Non-Tariff measures; and viii) Simplifying customs procedures and enhancing trade facilitation.
To create awareness among the MSMEs and businesses, the Ministry of International Trade and Industry (MITI) in collaboration with the Federation of Malaysian Manufacturers (FMM) conducted a virtual webinar on Navigating the Regional Comprehensive Economic Partnership (RCEP) Series 1: Understanding RCEP Chapters on Small & Medium (SMEs) and Economic & Technical Enterprises Cooperation (ECOTECH) on 26 March 2021.
As one of the speakers in the Webinar, Mr. Amrul Nazri Abdullah, Director of International Cooperation Division of SME Corp. Malaysia discussed the opportunity for MSMEs to gain leverage through RCEP.

A total of over 80 participants consisting of Chief Executive Officers, General Managers, Import Managers, Export Business Development Managers and Executives participated in the webinar.
and Webinar on Promising Market for MSMEs in Malaysia and Georgia SME Corp. Malaysia in collaboration with the Embassy of Georgia, successfully organised a webinar with the theme ‘Promising Market for SMEs in Malaysia and Georgia’ on 21st June 2021.

The webinar was graced by Her Excellency Datuk Wira Hajah Mas Ermieyati Hj Samsudin, Deputy Minister of Ministry of Entrepreneur and Cooperatives Development and His Excellency Alexander Khvtisiashvili, Georgian Deputy Minister of Foreign Affairs.
216 An encouraging number of over 100 participants from both Malaysia and Georgia consisting of MSMEs, entrepreneurs, Government officials, business associations, chambers of commerce, and industry stakeholders participated in the webinar which was organised as part of an MoU area of cooperation between SME Corp. Malaysia and Enterprise Georgia to enable exchange of information related to MSME development and to provide MSMEs and entrepreneurs with an understanding of market and investment opportunities, as well as business matching opportunities that were available in both countries respectively.
The webinar was conducted through interactive sharing sessions with the involvement of prominent speakers from the Malaysian Investment Development Authority (MIDA), Enterprise Georgia, Georgian Chamber of Commerce and Industry, and SME Corp. Malaysia.
Memorandum of Understanding (MoU) between SME Corp. Malaysia and the Organisation for Small & Medium Enterprises & Regional Innovation, Japan (SMRJ) In March 2021, SME Corp. Malaysia renewed its MoU collaboration with the Organisation for Small & Medium Enterprises & Regional Innovation, Japan (SMRJ) for another three (3) years (3 March 2021 - 3 March 2024).

The first memorandum signed on 18 July 2007, was renewed in 2010, 2013, and 2016.
The objective of the MoU is to strengthen the bilateral ties between Malaysia and Japan, establish linkages and networking as well as collaborate in matters of mutual interest with regard to SME development.

SME CORP. MALAYSIA ANNUAL REPORT 2021 SUCCESS STORY 217 Success Story 3D GENS Sdn.

Bhd.

This inspiring story began in 2016 when YBrs.

Dr Izhar Aziz, the founder of 3D Gens Sdn.


Bhd., armed with a PhD in 3D printing technology had the vision of being a pioneer in using Additive Manufacturing Technology in Malaysia.

Entering into totally unfamiliar, unchartered ground but equipped with the right attitude and aptitude, 3D Gens Sdn.

Bhd.

has since become an accredited manufacturing company for biomedical devices.

3D Gens is able to provide 3D data visualization and simulation information for surgical planning prior to operation.
Their niche is customising medical implants making it patient specific.

With this Patient-Specific Implant (PSI), operation time is shortened, surgical risk is reduced, all of which contribute significantly to helping individuals cope better with the medical trauma.

In 2017, 3D Gens Sdn.

Bhd.


applied for SME Corp. Malaysia programme, under the Galakan Eksport Bumiputera (GEB), a programme that aims at encouraging, assisting and eventually increasing the number of qualified and high-performing Bumiputera SMEs that show good export market potential to penetrate the international markets.
Benefitting from integrated assistance and support from other collaborative agencies, this home-grown Malaysian company is doing us proud, having entered a field dominated by the more established companies in the developed countries.

They have a presence in the Asia Pacific Region, especially in Indonesia where they have links with over 40 hospitals.

As the winner of Malaysia Technology Excellence Awards 2021 in the biotechnology - healthcare technology (3D) category, 3D Gens Sdn.

Bhd.
Bhd.

has shown how technology can be a driving force in impacting people’s lives.

218 Success Story FIRE FIGHTER Sdn.

Bhd.

Ms. Hah vividly remembers one particular encounter about 10 years ago with the then CEO, YBhg.

Datuk Hafsah Hashim, who visited their booth at an event under MATRADE.

While Datuk Hafsah was impressed with the product, she made an insightful comment on the packaging.
This made an indelible impression on Ms. Hah in that she realised how the product, branding and packaging must work well.

Fire Fighter Sdn.

Bhd.

then obtained a grant from SME Corp. Malaysia into the product’s packaging.

Being a female Managing Director in a male-dominated industry, Ms. Hah has had to face challenges and is proud that with the help and support from Government agencies such as SME Corp. Malaysia, Fire Fighter Sdn.

Bhd.
Bhd.

is now the only Malaysian fire extinguisher manufacturer with both ISO 9001 and ISO 14001.

Ms. Michelle Hah, as one of the Managing Directors of Fire Fighter Sdn.

Bhd., is very proud to be associated with SME Corp. Malaysia and their collaborative agencies for the past 12 years.

It all started when Firefighter Sdn.

Bhd., was awarded certification by SIRIM QAS International Sdn.

Bhd., the accredited testing, inspection and certification body in Malaysia.

This led to Fire Fighter Sdn.

Bhd.


gaining greater market access, locally and abroad.

They also joined Brand Association Malaysia which helped them reveal their potential, as well as the Groom Big programme, which created many opportunities to advertise and market through events and exhibitions.

The rigorous auditing in the selection process before being given entry into any programme is a feature that speaks volumes about quality selections made.
SME CORP. MALAYSIA ANNUAL REPORT 2021 SUCCESS STORY 219 Success Story PALM FIBER Sdn.

Bhd.

Incorporated in 2014, Palm Fiber Sdn.

Bhd.

ventured into research and development of the by-products oil palm waste.

This would primarily be the Oil Palm Trunks (OPT), which are burnt before replantation; interestingly, these contain large amounts of dietary fibre, suitable for humans and animals.
Prior to its incorporation, much research was being conducted on palm fibre, in collaboration with Prof Dr. Ida Idayu from UTM Skudai, from as far back as the late 1990s.

The outcome of this collaboration, using technology from Japan, was the health supplementary drink named EGT Fiber.

In 2017, SME Corp. Malaysia became involved in assisting and advising Palm Fiber Sdn.

Bhd.

Two years later, Palm Fiber obtained a SCORE rating of 3stars.
This made them eligible for inclusion into Capacity Building Programmes and developmental programmes as well.

In addition, Palm Fiber Sdn.

Bhd.

participated in the Enterprise 50 Awards, which is held to recognise 50 high-performing, competitive SME companies.
Palm Fiber emerged Top 40 which gave them the opportunity to participate in business matching sessions organized by SME Corp. Malaysia participate in workshops and international forums at the invitation of SME Corp. Malaysia establish business relationships and interactions with large and multinational companies around the world.

The pandemic in 2020, hit hard as supply chains were disrupted and Palm Fiber had to adapt fast to keep themselves from sinking.
What they did was to move from health supplement drinks to supplying the raw materials of the OPT to interested buyers.

This was strategic thinking as dependency and exposure to a volatile business environment, during the Covid period, was minimised.

Palm Fiber has shown how having an adaptive mindset is critical to success.

220 Success Story PROEIGHT Sdn.

Bhd.

‘‘Nothing is Impossible….not if you have the courage to rise every time you fall” this is the CEO of ProEight Sdn.

Bhd.

motto.
Bhd.

motto.

Encik Azhar has shown this by venturing into a domain that no company in South East Asia of the Asia Pacific has gone into.

Very much a Blue Ocean Strategy believer, En.

Azhar has helmed ProEight Sdn.

Bhd.

since 1998 with a mindset of resilience and the courage to push boundaries.

Having been in Oil & Gas consultancy before venturing into manufacturing, En.

Azhar was brimming with determination that ProEight should make an indelible impact and impression in the industry.
Not wanting to request for external funds before achieving some form of success, the team worked tirelessly and in 2006, ProEight became a participant of the Petronas’ Vendor Development Programme (VDP).

En.

Azhar recognises and appreciates the fact that Petronas has been significant in ProEight’s journey.

Being innovative and generating value are key driving forces for En.

Azhar and in 2011, ProEight developed a technologically advanced range of mechanical seals.
In July 2011, they won two awards from SME Corp. Malaysia – The Most Innovative as well as the Most Innovative in Manufacturing.

This was just the beginning of accolades they received from Government agency.

ProEight has the stellar position of being a Malaysia home-grown designing, engineering and manufacturing company that has been awarded the prestigious Q1 award from the American Petroleum Institute in 2012.

This gave them the exposure they were looking for to tap international market.
In 2015, they received the SME Corp. Malaysia 1-InnoCERT AAA Award as well as an award for a 5-star SCORE rating.

The recognition and funds ProEight received helped propel them in their journey of innovation.

When Covid struck in 2020, ProEight Sdn Bhd, saw a disruption in their business activities especially in the field of logistics.

Having an adaptive mindset, they adjusted to whatever restraints, and evolved – the team of engineers came up with creative ways to manage and move ahead.
In May 2021, they received yet another 5-star rating in SCORE and En.

Azhar is very proud that they have proven their worth.

Additionally, their best achievement yet is when the Qatar Government, in 2021, after a rigorous process, presented ProEight with a special award: to work with the Ministry of Qatar Energy to set up a manufacturing Research & Development Centre.

SME CORP. MALAYSIA ANNUAL REPORT 2021 SUCCESS STORY 221 Success Story G&H CAKE HOUSE Sdn.

Bhd.
Bhd.

Starting from humble beginnings in 2008, G&H Cake House, which is primarily a family run bakery outlet, has grown in leaps and bounds in the last 24 years.

Initially working out from their home, the business took a serious turn when they bought a business premise shop lot and began operating there.

After stringent auditing processes, G&H Cake House obtained the HALAL & MeSTI certification in 2013.

Their products were primarily frozen layer cake, biscuits and pastries under the brand MyZiff Bakers.
Realising their potential to gain inroads into the local and overseas market, much effort and resources were channelled into production and packaging.

By 2015, MyZiff Bakers products were at LuLu Hypermarkets, as well as in other recognised supermarkets.

In 2019, G&H Cake House was awarded the BAP & BAP 2.0 grants, which is a collaborative financial assistance with SME Corp. Malaysia.
This provided the necessary boost to capacity building and exposure to the business and in November 2019, they were selected to have their presence at the FAMA Expo in Tokyo.

This was the beginning of recognition and success.

While the FAMA expo did not take place in 2020 due to the pandemic, FAMA brought samples of these cookies to the Food Exhibition in 2021 and it was here that the Oatmeal Cookies got the attention of SL Japan Co. Ltd, one of the biggest importers and wholesale food markets in Japan.
It is a well-known fact that the Japanese market is very discerning and selective about products that enter their country.

SL Japan sent their representative to G&H Cake House to view their production process and they were impressed and in October 2021, the first shipment was sent to Japan.

Since then, there have been repeat orders even through the pandemic period.

By this time G&H Cake House had grown from a home run 2- worker outfit to employing 12 workers and owning production machines.
MyZiff Bakers Oatmeal Cookies made their mark as being an all natural product – no preservatives and colouring, as well as being egg-free.

This caught the eye of distributors wanting presence in the vegetarian and vegan world.

In 2020, G&H Cake House was also approached with an offer to use their materials as a value added to a product (as an OEM).

Three (3) container loads of choco jars were exported to Brunei through UNIC Munif Hijjaz and there have been repeated orders since then.
Companies from Dubai, Oman and Saudi Arabia have shown keen interest in these products as well and hope to confirm orders in 2022.

It has been a journey of taking small steps, putting in effort, having belief in your product and assistance from agencies leading to successes.

We wish G&H Cake House more success in the future.


222 OUTCOME EVALUATION ON MSME DEVELOPMENT PROGRAMMES BY SME CORP. MALAYSIA UNDER RMKe-11 SME Corp. Malaysia is cognisant of the fact that MSMEs are a crucial component of Malaysia’s strategy to become a high-income nation.

While this strategy may have hit the pause button with the entire world coping with the turbulence and uncertainty created by the COVID-19 pandemic, it is now time to hit the reset button.
An online survey was conducted from 6 May 2021 to 12 July 2021 on MSMEs that had received financial assistance under the following ten (10) development expenditure (DE) programmes and completed their cycle of participation: i) HIP 2: Technology Commercialisation Platform (TCP); ii) HIP 3: SME Investment Partner (SIP); iii) HIP 4: Going Export (GoEx); iv) HIP 5: Catalyst Programme; v) HIP 6: Inclusive Innovation; vi) Business Accelerator Programme 2.0 (BAP 2.0); vii) Bumiputera Enterprise Enhancement Programme (BEEP); viii) Tunas Usahawan Belia Bumiputera (TUBE); ix) Galakan Eksport Bumiputera (GEB); and x) Micro Connector.
The survey was also extended to MSMEs that did not participate in SME Corp. Malaysia’s programmes.

Looking at the profile, a total of 1,200 MSMEs responded to the survey in which 83.1% (997) were beneficiaries and 16.9% (203) were non-beneficiaries of development programmes by SME Corp. Malaysia.

Microenterprises made up 58.4% of the total number of respondents, while 32.0% were small-sized firms and the remaining 9.6% were medium-sized firms.
In terms of business sectors, almost half of the respondents (48.3%) were from the services sector, with the manufacturing sector accounted for 44.7%, agriculture (5.8%) and construction (1.3%).

Focusing on sales performance, both programme beneficiaries and non-beneficiaries reported an upward trend in sales before the outbreak of the pandemic, but this plummeted thereafter in 2020 following the implementation of the Movement Control Order (MCO) (refer to Chart 1).
It must be noted that the respondents who were beneficiaries of MSME development programmes reported higher sales as compared to the non-beneficiaries (2019: 57.6% vs 46.3%, 2020: 33.3% vs 31.5%), for both before and after the COVID-19 pandemic.

This reinforces the key findings whereby 61.7% of the respondents cited that increase in sales revenue and profit was the primary benefit of the development programmes, hence further signifying the effectiveness of programmes by SME Corp. Malaysia.
Meanwhile, programme beneficiaries also indicated that the job creation factor was better.

A higher double-digit growth was recorded by beneficiaries compared to the non-beneficiaries, particularly for skilled and semi-skilled workers during the RMKe-11 period (2016-2020).

The growth of skilled and semi-skilled workers hired by the beneficiaries of MSME development programmes grew by 44.0% and 39.0% respectively, while hiring by the non-beneficiaries experienced a slower growth of 14.5% and 4.7%.
Overall, the beneficiaries of SME Corp. Malaysia’s programmes have cited that the programmes were beneficial for MSME business operations.
The top five (5) impacts of the MSME development programmes as cited by the respondents were that these programmes resulted in: i) an increase in sales revenue and profit; ii) an increase in efficiency and productivity through mechanisation and use of social media & e-commerce; iii) a spur in the development of new products and services; SME CORP. MALAYSIA ANNUAL REPORT 2021 OUTCOME EVALUATION ON MSME DEVELOPMENT PROGRAMMES BY SME CORP. MALAYSIA UNDER RMKe-11 223 Sales Performance in 2019 and 2020 Growth in Skilled Workforce (2016 - 2020) Top 5 Benefits Cited by Programme Beneficiaries of SME Corp. Malaysia 100% 13.1 8.9 17.2 53.8 10.3 33.5 9.4 53.2 80% 60% 40% 20% 0% 57.6 33.3 46.3 31.5 12.1 4.0 9.9 5.9 Beneficiaries 2019 Beneficiaries 2020 Non-Beneficiaries 2019 Non-Beneficiaries 2020 5 14.5% 61.7% Increase in sales revenue & profit 4.7% 58.4% Increase in efficiency & productivity 44.0% 39.0% 40.1% 48.5% Develop new product & services 36.2% Produce high quality products 70% 60% 50% 40% 30% 20% 10% 0% -10% Skilled Semi-Skilled -2.4% Low-Skilled 31.6% Innovation and digitalisation Not in Operation Increased Decreased No Changes Beneficiaries Non-Beneficiaries Chart 1: Sales & Employment Performance and Top Benefits of the Programme iv) an enhanced capability to produce high-quality the products and greater competitiveness international market; and in v) being a catalyst for innovation, digitalisation and technology adoption.
Based on the feedback received from programme beneficiaries pertaining to the development programmes, majority 99.0% of programme beneficiaries stated the programmes should be continued; 97.1% stated the programmes provided clear and consistent information; and 96.4% stated the programme owners were helpful (refer to Chart 2).

The programmes’ terms and conditions were cited to be reasonable by 96.1% of the beneficiaries while 95.5% said the forms were easily understood.
A total of 87.9% programme beneficiaries deemed the funding received as adequate, 71.7% stated the approval process was fast while 65.4% stated the time taken to disburse funds was satisfactory.
99.0% Programmes should be continued 96.1% Reasonable terms & conditions 71.7% Fast approval process 97.1% Clear and consistent information 95.5% Easy to understand forms 65.4% Short disbursement time 96.4% Helpful programme owners 87.9% Appropriate fund amount Chart 2: Feedback Pertaining to Development Programmes by SME Corp. Malaysia 224 ACHIEVEMENTS OF KEY DEVELOPMENT PROGRAMMES FOR 2021 For the period from January to December 2021, a total of RM120.9 million in funds were received from diverse sources and had benefitted 644,905 MSMEs (touchpoints) from various initiatives under SME Corp. Malaysia, with details as follows: i) 623,121 MSMEs participated in various outreach programmmes, business advisory services and coaching sessions from SME Corp. Malaysia; ii) 7,733 MSMEs received approvals for financial assistance in the form of grants and loans with a total value of RM195.1 million; and iii) 14,051 MSMEs received SME Status accreditation and SME Competitiveness Rating for Enhancement (SCORE).
Chart 3: Highlights of Achievements in 2021 Note: 1.

Data as at 31 December 2021 and does not include outreach programmes & advisory services at the Sate Offices 2.
The allocation includes various funds such as the 2021 development fund (RM65.7 million), PENJANA fund, KUSKOP More than 600,000 MSMEs have become the “touchpoint” of SME Corp. Malaysia in 2021 2021 ACHIEVEMENTS Total MSME: 176,770 (target) Allocation: RM120.9 million Total MSME assisted: (Jan.-Dec. 2021): 644,905 MSMEs Assistance approved to MSMEs: RM195 million Budget: RM120.9 million Outreach & Advisory Services: 623,121 MSMEs Programmes: 7,733 MSMEs Accreditation: 14,051 MSMEs 644,905 MSMEs In terms of expenditure, a total of RM163.6 million was disbursed, of which RM77.9 million (48.0%) was utilised for development programmes under the 11MP which still had ongoing commitments.
Meanwhile, a total of RM57.6 million (35.0%) was disbursed under the 2021 development fund from a total of RM180.7 million approvals, and the remaining RM28.1 million (17.0%) were special funds for programmes implemented in collaboration with other Ministries & agencies, such as the Halal Programme, Rail Programme, Zonepreneur, Geran Usahawan Perak (GeRUP) and Majlis Agama Islam Wilayah Persekutuan (MAIWP).
Chart 4: Achievements of Key Development Programmes in 2021 Large-scale programmes (micro & youth) TUBE BizME SMERF GEB I-SEE PRESTIGE BAP 3.0 BEEP 20 20 10 8 Rating Programme (Status SME/SCORE) SME Rating & Acceditation 514 500 Beneficiaries 4,439 4,000 95 50 159 100 Actual (19,996) Target (14,723) 393 150 80 315 14,051 9,815 Cash Flow Approval (RM180.7 million) Expenditure (RM57.6 million) Fund Receipt (RM75,7 million) RM million 90.0 84.2 80.0 70.0 60.0 50.0 40.0 30.0 20.0 10.0 0.0 38.4 20 29.5 17 7.4 7.2 8.0 3.3 7.6 7.9 7.0 0.3 15.2 0 .
3 P A B 0 .
2 P E E B E E M z i B E B U T 0.3 B E G 4.0 2.6 4.0 E E S - I 4.0 4.0 3.1 3.7 4.0 A R S E G I T S E R P 17.6 10 1.4 F R E M S Other expenditure in 2021: • 11MP fund: RM77.9 milllion • Special Fund: RM28.1 million (Halal Programme, Rail Programme, Zonepreneur, Penjana, Gerup, MAIWP) SME CORP. MALAYSIA ANNUAL REPORT 2021 ACHIEVEMENTS OF KEY DEVELOPMENT PROGRAMMES FOR 2021 225 KEY DEVELOPMENT PROGRAMMES FOR 2022 For the year 2022, a total of 28 key programmes and activities will be implemented by SME Corp. Malaysia involving six (6) focus areas, namely: i) Economics, Coordination and Facilitation; ii) Access to Markets; iii) Sectoral, Innovation and Digitalisation; iv) Access to Financing; v) Bumiputera Development; and vi) Inclusive Development.
Chart 5: 28 Major Programmes & Activities in 2022 There are 28 major programmes & activities being implemented in 2022 ECONOMY, COORDINATION & FACILITATION SME Accreditation (SME Status / SCORE) Coordination (SMEIPA, SCENiC, PCWC) Business counsellor Sustainable SME Development, SDGs (including Corporate Governance Toolkit) Review Act 539 MSME Insight 2022 Agency Strategic Plan ACCESS TO MARKET Glocal Linkage SME (GloSMEP) National Mark of Malaysia Brand (NNMB) Halal Development Programme SME Week Enterprise 50 SECTORAL, INNOVATION & DIGITALISATION Strategic Industry and High Growth Enterprise (PRESTIGE) Inclusive SME Ecosystem (I-SEE) SME Digitalisation Programme Technology Need Pitching (TNP) FINANCING BUMIPUTERA DEVELOPMENT INCLUSIVE DEVELOPMENT Business Accelerator (BAP) SME Revitalisation Financing (SMERF) SME Emergency Fund (SMEEF) SME Investment Partner (SIP) Soft Financing Scheme for SME (SFSME) Tunas Usahawan Belia Bumiputera (TUBE) PEMERKASA Bumiputera Enterprise Enhancement Programme (BEEP) Micro Connector Programme GrowBiz Programme Women Netpreneur Programme Business Toolkit for Start-up Inclusive Business (IB) Support • MyAssist MSME • SME Hub • Entrepreneur Question • Business Advisory Services • Portal MalaysiaBiz • Media 12MP Development Fund in 2022 | PEMERKASA Fund With regards to financial assistance, there are five (5) programmes in the form of grants and loans that will be provided with an allocation of RM255 million, namely: i) Business Accelerator Programme (BAP) 3.0: RM40 million; ii)
 Bumiputera Enterprise Enhancement (BEEP) 2.0: RM15 million; iii) Working Capital @ BAP: RM50 million; iv) SME Revitalisation Financing: RM50 million; and v) SME Emergency Fund 2.0: RM100 million.
SME Corp. Malaysia will also implement four (4) new initiatives in 2022, of which three (3) are mandates from MECD, namely to: i) Publish a Corporate Governance Toolkit for MSMEs; ii) Conduct a study to appoint a Commissioner for timely payments to MSMEs that will act as a mediator in resolving payment disputes; iii) Conduct a study on amendments to the Small and Medium Enterprises Corporation Malaysia Act (Act 539) to ensure the roles and functions of SME Corp. Malaysia are still relevant and can contribute to the further development of MSMEs in Malaysia; and iv) Undertake a Pilot Project for the Action Centre for Sustainable SMEs (ACCESS) in collaboration with the United Nations Global Compact Network Malaysia and Brunei (UNGCMYB).
ACCESS provides ESG ratings, advisory services, capacity building, as well as networking with large companies involved in the Sustainable Development Goals (SDGs) practices.

Financial Report 228 SME CORP. MALAYSIA FINANCIAL PERFORMANCE REPORT AND ANALYSIS The Financial Statements of SME Corp. Malaysia for the year ending 31 December 2021 have been fully prepared and submitted to the Auditor General on 29 June 2022.
The Auditor General has authorized a private audit firm in accordance with the provisions of the Audit Act 1957 [Act 62] to audit the Financial Statements for the year 2021 and issued the Certificate of Auditor General on 2 November 2022.

These Financial Statements are prepared in accordance with the Malaysian Public Sector Accounting Standards (MPSAS) and the requirements of the Small and Medium Industries Development Corporation Act 1995 [Act 539] which includes analysis of the following statements: i.
Statement of Financial Position; i.

Statement of Financial Performance; iii.

Statement of Changes in Equity; iv.

Statement of Cash Flows; and v. Budget and Actual Amount Comparison Statement; Statement of Financial Position Statement of Financial Position of SME Corp. Malaysia shows total assets and liabilities which consists of Current and Non-Current Assets, Current and Non-Current Liabilities, Deferred Grants and Equities.
In accordance with the historical cost convention measurement basis, all funds and accounts are reported in the Statement of Financial Position with detailed information set out in the Notes to the Financial Statements.

Current Assets Current Assets consists of Cash in Hand and Bank, Fixed Deposits, Staff Loan Accounts, Receivable Accounts from Exchange and Non- Exchange Transactions, Deposit and Prepaid Accounts.

These current assets have a level of liquidity in the short term.
In 2021, Current Assets amounting to RM1.35 billion have decreased by RM19.52 million (1.42%) compared to 2020 which amounted to RM1.37 billion.

Cash in Hand and In Bank and Fixed Deposits The efficiency of cash management is essential to ensure all expenses of SME Corp. Malaysia can be financed with a sustainable cash position.

Surplus cash is invested in fixed deposits for a period of three (3) months to ensure that it produces returns and sufficient liquidity to cover daily expenses.
Overall, the balance of cash and fixed deposits in 2021 amounting to RM316.85 million has decreased by RM99.73 million (23.94%) compared to 2020 which amounted to RM416.58 million.

More information on Cash on Hand and in the Bank may be referred to Note 4 – Notes of Financial Statements.
Development Receivables Development Receivables consists of SME grants and Soft Loan grants which has been channelled to SME Corp. Malaysia’s Strategic Partners appointed as Implementing Agency to manage loans and grants for SMEs throughout Malaysia.

In 2021, the balance of Development Receivables amounting to RM1.01 billion was recorded to have increased by RM55.56 million (5.85%) compared to 2020 which amounted to RM949.88 million.
More information on Development Receivables may be referred to Note 6 – Notes of Financial Statements.

Non-Current Assets Non-Current Assets comprises of Property, Plant and Equipment, Long-Term Investments, and Intangible Assets.

For the acquired assets, they are financed using SME Corp. Malaysia’s internal reserves.

In 2021, the carrying value of Non-Current Assets amounting to RM23.79 million have increased by RM2.08 million (9.6%) compared to 2020 which amounted to RM21.7 million.
Long Term Investment Long-Term Investment is a Redeemable Preference Share (‘RPS’) investment with an appointed capital company to manage investments in start-up and high-growth potential SME companies under the SME Investment Partner Program (SIP) - SME Master Plan.

In 2021, Long Term Investment amounting to RM20.3 million remains unchanged compared to 2020 as there is no additional investment in the current year.
More information on Long-Term Investments may be referred to Note 10 – Notes of Financial Statements.

Liabilities Liabilities are made up of Current and Non-Current Liabilities.

It consists of Exchange Transaction Creditors, Employee Benefits, Tax Provisions, Deferred Grants and Shariah Compliant Scheme Funds.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 229 In 2021, Liabilities amounting to RM1.36 billion have decreased by RM5.85 million (0.42%) compared to 2020 which amounted to RM1.37 billion.

Employee Benefit Employee Benefit is a retirement benefit plan for employees of SME Corp. Malaysia.

i.e.

Leave Encashment.

Employee Benefits are divided into two (2) accounts, namely Short-Term and Long- Term Employee Benefits.
The current value of Short-Term Employee Benefits is calculated using the formula set in the guidelines of the Public Service Department (JPA) for early redemption of the Leave Encashment that has been identified to be paid to eligible employees of SME Corp. Malaysia which is expected to be paid within 12 months.
On the other hand, Long-Term Employee Benefits are assessed as a Non-Current Liability as they are calculated according to actuarial methods required by Malaysian Public Sector Accounting Standards (MPSAS 25).

In 2021, Employee Benefits amounting to RM3.33 million have increased by RM0.65 million (24.16%) compared to 2020 which amounted to RM2.68 million.

More information on Employee Benefits may be referred to Note 14 – Notes of Financial Statements.
Tax The tax is an assessed tax that is allocated based on the imposition of taxes and penalties by the Inland Revenue Board (LHDN) with the current tax rate for the year 2020 and 2021.

This tax will be paid off in less than 12 months in instalments.

Operations, 33.00 CHART 6 APPROVED BUDGET FOR YEAR 2021 (RM Mil) Operations Developments Developments, 95.70 In 2021, the allocation of tax amounting to RM8.3 million decreased by RM34.32 million compared to 2020 which amounted to RM42.63 million.
The tax allocation in year 2020 reduced drastically due to the imposition of assessment tax and penalties in the prior years of 2010 to 2019 (10 years).

More information on Taxes may be referred to Note 24 – Notes of Statements.

Deferred Grant Deferred Grants are Development funds received from the Federal Government that have not yet been realized as grant income in the Financial Performance Statement.
It consists of Development funds for the Malaysia Plan for various SME Development programs and other ‘one-off’ Development funds.

This Development Grant will be realized as income based on the actual performance of Development expenditure in the current year.

In 2021, Deferred Grants amounting to RM1.28 billion have decreased by RM3.31 million (0.26%) compared to 2020 which amounted to RM1.29 billion.

More information on Deferred Grants may be referred to Note 17 – Notes of Financial Statements.
Operation and Development Allocations The financial position of SME Corp. Malaysia for the financial year 2021 shows a stable financial performance and remains intact even though operation funds are allocated for Emoluments only.
SME Corp. Malaysia received an allocation from the Federal Government for Operation funds of RM33 million while Development allocations of RM95.7 million (including the 12th Malaysia Plan of RM65.7 million and PEMERKASA – Micro Credit Facility of RM30 million) for the financial year ending on 31 December 2021.

Compared to the year 2020, operation funds received was RM30 million while Development funds received was RM151.51 million.
Based on the approved budget, Chart 6 and Table 1 shows the current allocation performance compared to the previous year.
Funds Operations Developments Total Received 2021 RM Mil 33.0 95.7 128.7 Table 1 2020 RM Mil 30.0 151.5 181.5 Increased / (Decreased) RM Mil 3.0) (55.8) (52.8) % 10.0) (36.8) (29.1) 230 Operations and Developments Income In addition to non-exchange income amounting to RM182.97 million, SME Corp. Malaysia has generated exchange income amounting to RM9.55 million for the financial year ending in 2021.

Compared to the year 2020, the total exchange income showed an increase of RM0.82 million (9.33%).
Chart 7 and Table 2 shows the breakdown of SME Corp. Malaysia’s income as follows: Under Non-Exchange Income, Grants received from the Federal Government amounting to RM57.46 million including the transfer of Development funds received amounting to RM24.46 million as additional operation allocations to cover the needs of Operation Expenditures for year 2021.
While Development Grants Realized amounting to RM125.51 million is the recognition income from Development Grant for the current year based on the performance of Development fund expenditures.

SME Corp. Malaysia’s Financial Performance for the year 2021 recorded a pre-tax deficit amounting to RM3.27 million compared to year 2020 which recorded a pre-tax surplus of RM35.8 million due to Operation allocation not being allocated for Services and Supplies.
Operation Expenses are financed by the excess of Development funds which is authorized by the Ministry of Finance, generated income, and remaining internal reserves.
CHART 7 DETAILED INCOME FOR YEAR 2021 (RM Mil) Private Contribution, 0.33 Others Income, 2.57 Others Agency Contributions, 0.01 State Government Contribution, 0.10 Realized Development Grants Grants From Federal Government State Government Contribution Others Agency Contributions Private Contribution Interest Rental Others Income Realized Development Grants, 125.51 Rental, 0.15 Interest, 6.39 Grants From Federal Government, 57.46 Table 2: Annual Income Performance for 2021 and 2020 Income Revenue from Non-Exchange Transaction Grants From Federal Government Realized Development Grants Total Revenue from Non-Exchange Transaction Revenue from Exchange Transaction State Government Contribution Other Agency Contribution Private Contribution Interest Rental Others Income Total Revenue from Exchange Transaction 2021 RM Mil 57.46 125.51 182.97 0.10 0,01 0.33 6.39 0.15 2.57 9.55 2020 RM Mil 85.66 61.53 147.19 0.23 – 0.01 8.06 0.12 0.31 8.73 Overall Total Revenue 192.52 155.92 Increased / (Decreased) RM Mil % (28.20) 63.98) 35.78) (0.13) 0.01) 0.32) (1.68) 0.04) 2.26) 0.82 36.60 (32.92) 103.97) 24.31) (56.32) 100.00) 2,650.00) (20.80) 32.94) 724.80) 9.33) 23.47) SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 231 Operations and Developments Expenditures Apart from the Operation Budget of RM33 million for SME Corp. Malaysia in the year 2021 which was approved for Emolument expenditures, the Ministry of Finance also approved the allocation of a total of RM24.46 million for the balance of Development funds and
 internal reserves amounting to RM11.69 million to cover the commitment of Service and Supply expenses and other Expenses.
Chart 8 shows the performance of SME Corp. Malaysia’s overall expenses compared to income for the year 2020 and 2021.

Operation Expenditures CHART 8 COMPARISON EXPENDITURES PERFORMANCE FOR THE YEAR 2020 AND 2021 Allocations Expenditures 250 200 150 100 50 0 Expenditures Performance RM Mil RM192.52 RM204.10 RM155.92 RM162.75 2020 2021 Operation expenses consists of Committed Expenses and Supplies.
Based on the overall performance of SME Corp. Malaysia‘s operation expenses for the year 2021, a total expenditure of RM78.59 million has been recorded.

Compared to the year 2020, expenditure performance decreased by RM22.63 million (22.36%).

This is caused by the assessed tax allocated in 2021 which was reduced by RM34.32 million (80.5%).
The tax reduction is due to the assessed tax and penalties imposed by LHDN in 2021 only for the year 2020 and 2021 (2 years) compared to the assessed tax and penalties for a period of ten (10) years in 2020 in respect of notice received from LHDN.
Apart from that, an increase in Emolument expenses by RM8.68 million (37.96%) due to the Employee retirement benefit plan has been allocated and the changes of chart of accounts according to the type of expenditure has an impact on the increase in Emolument expenses.

The increase in expenditure on Services and Supplies of RM2.94 million (8.48%) is the effect from Implementation of National Recovery (PPN).

Table 3 and Chart 9 shows the performance of Operation expenses according to the type of expenses.
Expenditures Emolument Services and Supplies Sundry Expenses Development Expenditures Other Expenditures Tax Total Expenditures CHART 9 EXPENDITURES PERFORMANCE FOR THE YEAR 2020 AND 2021 (RM Mil) 2020 2021 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Table 3 2021 RM Mil 31.53 37.59 0.50 125.51 0.65 8.31 204.10 2020 RM Mil 22.86 34.65 0.31 61.53 0.76 42.63 162.75 RM31.53 RM37.59 RM0.50 RM125.51 RM22.86 RM34.65 RM0.31 RM61.53 Increased / (Decreased) RM Mil 8.68 2.94) 0.19) 63.98) (0.11) (34.32) 41.35 RM0.65 RM0.76 % 37.96) 8.48) 60.80) 103.98) (14.85) (80.50) 25.41 RM8.31 RM42.63 Emolument Services and Supplies Sundry Expenses Development Expenditures Other Expenditures Tax 232 Development Expenditures SME Corp. Malaysia has recorded an increase in Development expenditures of RM63.98 million (103.98%) where the total Development expenditures at recorded was RM125.51 million compared to RM61.53 million in 2020.
This is due to the increase in the number of approved grant claims in respect of the Implementation of National Recovery (PPN).

totalled Table 3 and Chart 10 below shows the overall performance of Development expenditures according to the type of funds.
CHART 10 COMPARISON OF DEVELOPMENT EXPENDITURES 2020 2021 RM125.51 Mil RM61.53 Mil Table 3 : Performance of Development expenditures according to type of funds Development Expenditures 12th Malaysian Plan 11th Malaysian Plan 10th Malaysian Plan 9th Malaysian Plan Bumiputera Enterprise Enhancement Program SME Emergency Fund High Impact Program (HIP) - Aerospace PENJANA - Young Bumiputra Entrepreneur Budding (TUBE) PENJANA - Micro Connector Total Development Expenditures Net Assets/Equity 2021 RM Mil 38.25) 63.86) (0.04) 10.33) (0.00) 0.17) 0.00) 11.87) 1.06) 2020 RM Mil – 55.83 2.29 – 3.16 0.03 0.15 0.00 0.07 125.51) 61.53 Increased / (Decreased) RM Mil 38.25) 8.03) (2.33) 10.33) (3.16) 0.14) (0.15) 11.87) 0.99) 63.98 Net Assets are made up of Accumulated Surplus and Trust Fund for Staff Loans.
Reserve SME Corp. Malaysia is a surplus of accumulated income where the net value of the accumulated income is based on the current year Statement of Financial Performance.

For the year 2021, total net assets recorded amounting to RM5.64 million have decreased by RM11.58 million (67%) compared to 2020 by RM17.23 million.

Of this amount, reserve SME Corp. Malaysia recorded a total of RM3.79 million which has decreased by RM11.58 million (75%) compared to RM15.38 million in 2020.
The decrease in this reserve was due to the Operations funds for Supplies and Services expenditures which has not been allocated by the Federal Government since the year 2017.

The reserve position in 2021 has reached a critical state and requires support and attention from the Federal Government to continue the operation of SME Corp. Malaysia for years to come.
SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 233 CERTIFICATE OF AUDITOR GENERAL 234 CERTIFICATE OF AUDITOR GENERAL SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 235 CERTIFICATE OF AUDITOR GENERAL 236 CERTIFICATE OF AUDITOR GENERAL SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 237 STATEMENT OF CHAIRMAN AND MEMBER OF CORPORATION 238 DECLARATION OF THE PRINCIPAL OFFICER RESPONSIBLE FOR THE FINANCIAL MANAGEMENT OF THE SMALL AND MEDIUM ENTERPRISE CORPORATION OF MALAYSIA SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 239 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER 2021 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) STATEMENT OF FINANCIAL POSITION AS AT 31 DECEMBER 2021 Note 2021 RM 2021 RM 2020 RM 2020 Restated RM Restated Note ASSETS ASSETS CURRENT ASSETS Cash and Cash Equivalent CURRENT ASSETS Fixed Deposits with Licensed Banks Cash and Cash Equivalent Employee Loans Fixed Deposits with Licensed Banks Development Fund Receivables Employee Loans Amount Receivable From Exchange Transactions Development Fund Receivables Amount Receivable From Non-Exchange Transactions Amount Receivable From Exchange Transactions Deposits and Prepayments Amount Receivable From Non-Exchange Transactions TOTAL CURRENT ASSETS Deposits and
 Prepayments TOTAL CURRENT ASSETS NON-CURRENT ASSETS Property, Plant and Equipment NON-CURRENT ASSETS Long Term Investment Property, Plant and Equipment Intangible Assets Long Term Investment TOTAL NON-CURRENT ASSETS Intangible Assets TOTAL NON-CURRENT ASSETS TOTAL ASSETS TOTAL ASSETS LIABILITIES LIABILITIES CURRENT LIABILITIES Payables From Exchange Transaction CURRENT LIABILITIES Provisions for Employee Benefits Payables From Exchange Transaction Provision for Tax Provisions for Employee Benefits Provision
 for Tax NON-CURRENT LIABILITIES NON-CURRENT LIABILITIES LONG-TERM LIABILITIES Other Payables LONG-TERM LIABILITIES Provision for Employee Benefits Other Payables Shariah Compliant Scheme Fund (SSFS) Provision for Employee Benefits Shariah Compliant Scheme Fund (SSFS) DEFERRED DEVELOPMENT GRANTS 12th Malaysia Plan (12MP) DEFERRED DEVELOPMENT GRANTS 11th Malaysia Plan (11MP) 12th Malaysia Plan (12MP) 10th Malaysia Plan (10MP) 11th Malaysia Plan (11MP) 9th Malaysia Plan (9MP) 10th Malaysia Plan (10MP) Other Development Funds 9th Malaysia Plan (9MP) Other Development Funds TOTAL LIABILITIES TOTAL LIABILITIES NET ASSETS NET ASSETS NET ASSETS/EQUITY Accumulated Surplus NET ASSETS/EQUITY Accumulated Fund for Vehicle Loan Accumulated Surplus Accumulated Fund for Computer Loan Accumulated Fund for Vehicle Loan Accumulated Fund for Computer Loan - - 1,353,364 20,296,986 1,353,364 52,137 20,296,986 21,702,487 52,137 21,702,487 1,391,973,310 1,374,534,239 1,391,973,310 17,100,999 905,752 17,100,999 50,945,138 905,752 68,951,889 50,945,138 68,951,889 45,000
2,647,279 27,106,242 24,415,725 27,106,242 - - 331,310,823 157,934,349 331,310,823 742,056,951 157,934,349 55,421,444 742,056,951 1,286,723,567 55,421,444 1,286,723,567 1,374,746,674 1,374,746,674 17,226,636 17,226,636 15,376,636 1,600,000 15,376,636 250,000 1,600,000 17,226,636 250,000 17,226,636 The notes stated are part of these Financial Statements The notes stated are part of these Financial Statements 3 3 240 SME CORPORATION MALAYSIA SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) STATEMENT OF FINANCIAL PERFORMANCE FOR THE YEAR ENDED 31 DECEMBER 2021 STATEMENT OF FINANCIAL PERFORMANCE FOR THE YEAR ENDED 31 DECEMBER 2021 Note Note 2021 2021 RM RM 2020 2020 RM RM Restated Restated REVENUE FROM NON-EXCHANGE TRANSACTIONS REVENUE FROM NON-EXCHANGE TRANSACTIONS Government Grants Government Grants Realisation of Development Grants Realisation of Development Grants EXCHANGE TRANSACTIONS EXCHANGE TRANSACTIONS Contributions from State Government Contributions from State Government Contributions from Other Agencies Contributions from Other Agencies Contributions from Private Sector Contributions from Private Sector Interest Received Interest Received Rentals Rentals Others Income Others Income TOTAL INCOME TOTAL INCOME EXPENDITURES EXPENDITURES Emoluments Emoluments Services and Supplies Services and Supplies Supplies and Other Materials Supplies and Other Materials
 Supplies and Repairs Supplies and Repairs Transportations Transportations Supply of Materials, Repairs and Maintenances Supply of Materials, Repairs and Maintenances Communications and Utilities Communications and Utilities Travelling and Subsistence Travelling and Subsistence Professional and Others Services and Hospitalities Professional and Others Services and Hospitalities Rentals Rentals Miscellaneous Expenditures Miscellaneous Expenditures Contributions and Domestic Grants Contributions and Domestic
 Grants Other Expenses Other Expenses Development Grants Disbursements Development Grants Disbursements Other Expenditures Other Expenditures Purchase Returns Purchase Returns Loss on Disposal of Assets Loss on Disposal of Assets Depreciation of Property and Equipments Depreciation of Property and Equipments TOTAL EXPENDITURES TOTAL EXPENDITURES Surplus/(Deficit) Before Tax Surplus/(Deficit) Before Tax Tax Provisions Tax Provisions Surplus/(Deficit) After Tax Surplus/(Deficit) After Tax - - (3,272,365) (3,272,365) 8,311,730 8,311,730 (11,584,095) (11,584,095) 22,857,425 22,857,425 142,904 142,904 44,435 44,435 25,462 25,462 918,280 918,280 1,327,313 1,327,313 164,555 164,555 3,992,715 3,992,715 28,037,692 28,037,692 - - 312,068 312,068 61,532,769 61,532,769 -
 - 12 12 764,093 764,093 120,119,723 120,119,723 35,800,248 35,800,248 42,633,408 42,633,408 (6,833,160) (6,833,160) The notes stated are part of these Financial Statements The notes stated are part of these Financial Statements 4 4 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 241 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) STATEMENT OF CHANGES IN EQUITY FOR THE YEAR ENDED 31 DECEMBER 2021 NOTE ACCUMULATED SURPLUS ACCUMULATED FUND
 FOR VEHICLE LOAN ACCUMULATED FUND FOR COMPUTER LOAN TOTAL RM RM RM RM Balance as at 1st January 2020 - Restated prior year - Prior year adjustment Balance as at 1st January 2020 as per Restated Surplus/(Deficit) - As per reported before - Prior adjustment Surplus/(Deficit) as Restated Balance as at 31 January 2020 as per restated Balance as at 1st January 2021 - Restated prior year - Prior year adjustment Balance as at 1st January 2021 as per Restated Surplus/(Deficit) Current Year Balance as at 31 January 2021 28 28 24,059,796 (1,850,000) 22,209,796 (9,210,289) 2,377,129 (6,833,160) 15,376,636 14,849,507 527,129 15,376,636 (11,584,095) 3,792,541 - 1,600,000 1,600,000 - - - 1,600,000 - 1,600,000 1,600,000 - 1,600,000 - 24,059,796 250,000 250,000 - - - 250,000 - 250,000 250,000 - 250,000 - 24,059,796 (9,210,289.30) 2,377,129 (6,833,160) 17,226,636 14,849,507 2,377,129 17,226,636 (11,584,095) 5,642,541 The notes stated are part of these Financial Statements 5 242 SME CORPORATION MALAYSIA SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) CASH FLOW STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 CASH FLOW STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 CASH FLOW FROM OPERATING ACTIVITIES CASH FLOW FROM OPERATING ACTIVITIES Surplus/(Deficit) Before Tax Surplus/(Deficit) Before Tax Adjustment for:- Adjustment for:-
 Depreciation of Property, Plant and Equipment Depreciation of Property, Plant and Equipment (Gain)/Loss on Disposal of Property, Plant and (Gain)/Loss on Disposal of Property, Plant and Equipment Equipment Provision for Employee Benefits Provision for Employee Benefits Interest from Fixed Deposits Interest from Fixed Deposits Realisation of Development Grants Realisation of Development Grants Reversal of Impairment Development Debtors Reversal of Impairment Development Debtors Written off Development Receivables
 Written off Development Receivables Impairment Development Receivables Impairment Development Receivables 2021 2021 RM RM 2020 2020 RM RM Restated Restated (3,272,365) (3,272,365) 35,800,248 35,800,248 648,603 648,603 764,093 764,093 1 1 764,167 764,167 (6,385,176) (6,385,176) (125,509,441) (125,509,441) 160,000 160,000 10,333,617 10,333,617 19,854,334 19,854,334 12 12 (6,673,712) (6,673,712) (8,062,596) (8,062,596) (61,532,769) (61,532,769) - - - - - - Deficit before change in working capital Deficit before change in working capital (103,406,260) (103,406,260) (39,704,724) (39,704,724) Changes in working capitals Changes in working capitals Receivables from Exchange Transactions Receivables from Exchange Transactions Receivables from Non-Exchange Transactions Receivables from Non-Exchange Transactions Payables from Exchange Transactions Payables from Exchange Transactions (66,210,170) (66,210,170) (24,490,992) (24,490,992) (1,144,910) (1,144,910) 92,874,102 92,874,102 (50,296,986) (50,296,986) 6,950,314 6,950,314 Cash generated/(used in) from operation Cash generated/(used in) from operation (195,252,332) (195,252,332) 9,822,706 9,822,706 Payment of Employee Benefits Payment of Employee Benefits Interest received Interest received Receipt of Development grants Receipt of Development grants Refund of Development grants Refund of Development grants Hibah received from Development Fund Hibah received from Development Fund Payment of Shariah Compliant Scheme Fund Payment
 of Shariah Compliant Scheme Fund Receipts of Shariah Compliant Scheme Fund Receipts of Shariah Compliant Scheme Fund (116,024) (116,024) 6,385,176 6,385,176 95,700,000 95,700,000 (332,320) (332,320) 6,981,131 6,981,131 (10,363,643) (10,363,643) - - (52,142) (52,142) 8,062,596 8,062,596 151,510,000 151,510,000 - - 7,765,991 7,765,991 (7,726,760) (7,726,760) 15,000,000 15,000,000 Net cash flow (used in) operating activities Net cash flow (used in) operating activities (96,998,012) (96,998,012) 184,382,391
 184,382,391 CASH FLOW FROM INVESTING ACTIVITIES CASH FLOW FROM INVESTING ACTIVITIES Purchase of Property, Plant and Equipment Purchase of Property, Plant and Equipment Purchase of Intangible Assets Purchase of Intangible Assets Net Cash flows used in Investing Activities Net Cash flows used in Investing Activities (297,849) (297,849) (2,435,136) (2,435,136) (2,732,985) (2,732,985) (248,340) (248,340) (52,137) (52,137) (300,477) (300,477) Net Increase in cash and cash equivalents Net Increase in cash and cash equivalents (99,730,997) (99,730,997) 184,081,914 184,081,914 Cash and cash equivalents at Beginning of year Cash and cash equivalents at Beginning of year 416,579,214 416,579,214 232,497,300 232,497,300 CASH AND CASH EQUIVALENTS AT END OF YEAR CASH AND CASH EQUIVALENTS AT END OF YEAR 316,848,217 316,848,217 416,579,214 416,579,214 The notes stated are part of these Financial Statements The notes stated are part of these Financial Statements 6 6 SME CORP. MALAYSIA ANNUAL REPORT 2021 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA FINANCIAL REPORT 243 STATEMENT OF COMPARISON OF OPERATION BUDGET AND ACTUAL AMOUNTS FOR THE YEAR ENDED 31 DECEMBER 2021 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) TOTAL BUDGET ITEM STATEMENT OF COMPARISON OF OPERATION BUDGET AND ACTUAL AMOUNTS FOR THE YEAR ENDED 31 DECEMBER 2021 INITIAL FINAL VARIANCE
 Salaries and Wages Fixed Allowances ITEM Statutory Contribution for Employees Salaries and Wages Overtime Allowances Fixed Allowances Other Monetary Benefits EMOLUMENT Statutory Contribution for Employees Travel and Subsistence Overtime Allowances Other Monetary Benefits Transportation of Goods EMOLUMENT Utilities and Communication Rental Travel and Subsistence Supply of Raw Materials and Materials for Transportation of Goods Maintenance and Repair Utilities and Communication Supplies & Other Materials
 Rental Maintenance & Minor Repairs Supply of Raw Materials and Materials for Maintenance and Repair Professional Services and Other Purchased and Hospitality Services Supplies & Other Materials - - - - - - - - - TOTAL BUDGET RM 25,406,700 1,910,600 INITIAL RM 25,266,700 1,975,600 FINAL 4,410,700 RM 25,406,700 150,000 1,910,600 1,122,000 4,450,700 RM 25,266,700 125,000 1,975,600 1,362,000 33,000,000 4,410,700 33,180,000 4,450,700 - 150,000 1,122,000 33,000,000 - - - - 361,000 125,000 1,362,000 100,000 33,180,000 2,320,500 29,350,000 361,000 100,000 108,000 2,320,500 240,500 29,350,000 1,100,000 108,000 4,900,000 240,500 ACTUAL EXPENDITURES RM 23,471,027 ACTUAL 1,965,357 EXPENDITURES 4,048,371 RM 23,471,027 58,503 1,965,357 1,226,320 30,769,578 4,048,371 140,249 58,503 1,226,320 51,937 30,769,578 2,277,591 29,098,297 140,249 51,937 26,999 2,277,591 180,989 29,098,297 954,820 26,999 4,861,409 180,989 RM 1,795,673 10,243 VARIANCE 402,329 RM 1,795,673 66,497 10,243 135,680 2,410,422 402,329 220,751 66,497 135,680 48,063 2,410,422 42,909 251,703 220,751 48,063 81,001 42,909 59,511 251,703 145,180 81,001 38,591 59,511 SERVICES AND SUPPLIES Maintenance & Minor Repairs Building Professional Services and Other Purchased and Office Equipment Hospitality Services Furniture and Fixtures SERVICES AND SUPPLIES Vehicles & Machinery Building Computers Office Equipment ASSET Furniture and Fixtures Contributions to other Organisation Vehicles & Machinery DISTRIBUTION AND CHARGE OF
 FIXED PAYMENTS Computers Other Payments ASSET OTHER EXPENDITURES Contributions to other Organisation GRAND TOTAL DISTRIBUTION AND CHARGE OF FIXED PAYMENTS INTERNAL CONTRIBUTION Other Payments GOVERNMENT CONTRIBUTION OTHER EXPENDITURES GRAND TOTAL Notes to Statement of Comparison of Budget and Actual Amounts: INTERNAL CONTRIBUTION 1.
The Ministry of Finance has approved operating allocations for 2021 amounting to RM33 million.

GOVERNMENT CONTRIBUTION 2.
The requirement of operating allocation is amounting to RM73 million was approved at the Corporation Members' meeting 38,480,000 1,100,000 19,000 4,900,000 156,500 10,000 38,480,000 - 19,000 134,500 156,500 320,000 10,000 20,000 - 20,000 134,500 1,000,000 320,000 1,000,000 20,000 73,000,000 20,000 1,000,000 37,592,291 954,820 18,950 4,861,409 145,075 5,110 37,592,291 - 18,950 128,715 145,075 297,850 5,110 20,000 - 20,000 128,715 481,796 297,850 481,796 20,000 69,161,515 20,000 481,796 887,709 145,180 50 38,591 11,425 4,890 887,709 - 50 5,785 11,425 22,150 4,890 - - - 5,785 518,204 22,150 518,204 - 3,838,485 481,796 69,161,515 1,000,000 73,000,000 518,204 3,838,485 - - - - - - - - - - - - - - - - - - - - - 33,000,000 33,000,000 33,000,000 33,000,000 518,204 - - - - - - No.
3/2020 on 10 Disember 2020.

Notes to Statement of Comparison of Budget and Actual Amounts: 3.

The difference between the approved budget and the actual expenditure for Salaries and Wages is due to 1.

The Ministry of Finance has approved operating allocations for 2021 amounting to RM33 million.

21 post vacancies in year 2021.

A summary of the number of posts and filled posts as follows: 2.
The requirement of operating allocation is amounting to RM73 million was approved at the Corporation Members' meeting 3.

The difference between the approved budget and the actual expenditure for Salaries and Wages is due to - Number of posts is 323 No.

3/2020 on 10 Disember 2020.

- Number of filled posts is 302 21 post vacancies in year 2021.
A summary of the number of posts and filled posts as follows: - Number of posts is 323 - Number of filled posts is 302 The notes stated are part of these Financial Statements 7 The notes stated are part of these Financial Statements 7 244 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) OPERATING EXPENSES RECONCILIATION REPORT THE YEAR ENDED 31 DECEMBER 2021 ITEM STATUS AS AT 31 DECEMBER 2021 SME CORPORATION MALAYSIA OPERATING (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) FINANCING INVESTMENT OPERATING EXPENSES RECONCILIATION REPORT THE YEAR ENDED RM RM RM 31 DECEMBER 2021 TOTAL RM Actual amount on a comparable basis as presented in the Statement of Comparison of Budget and Actual Amounts ITEM Additional Actual amount on a comparable basis as presented 1 Grants from Federal Government in the Statement of Comparison of Budget and Actual Amounts 2 State Governments' Contribution 3 Realised Development Grants 4 Income Other than Grants Additional 5 Basic Difference -Assets 1 Grants from Federal Government 2 State Governments' Contribution 3 Realised Development Grants Subtraction 4 Income Other than Grants 1 Basic Difference -Development Expenditures 5 Basic Difference -Assets 2 Basic Difference - Return of Expenses 3 Basic Difference - Employee Benefits Subtraction 4 Basic Difference-Doubtful Debts/Write-offs 1 Basic Difference -Development Expenditures 5 Basic Difference-Disposal of Assets 2 Basic Difference -
 Return of Expenses 6 Basic Difference-Depreciation 3 Basic Difference - Employee Benefits 7 Basic Difference- Current Tax 4 Basic Difference-Doubtful Debts/Write-offs 5 Basic Difference-Disposal of Assets Actual Amount in Cash Flow Statement 6 Basic Difference-Depreciation 7 Basic Difference- Current Tax Actual Amount in Cash Flow Statement STATUS AS AT 31 DECEMBER 2021 (69,161,515) OPERATING - FINANCING - (69,161,515) INVESTMENT TOTAL RM RM RM RM 57,459,264 (69,161,515) 100,000 125,509,441 9,446,850 -
 57,459,264 192,515,555 100,000 125,509,441 9,446,850 (125,509,441) - (2,043) 192,515,555 (764,167) - (125,509,441) (1) (2,043) (648,603) (764,167) (8,311,730) (135,235,985) - (1) (11,881,945) (648,603) (8,311,730) (135,235,985) (11,881,945) - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 297,850 - 297,850 - - - - 297,850 - 297,850 - - - - - - - - - - - 297,850 - - - 57,459,264 (69,161,515) 100,000 125,509,441 9,446,850 297,850 57,459,264 192,813,405 100,000 125,509,441 9,446,850 (125,509,441) 297,850 (2,043) 192,813,405 (764,167) - (125,509,441) (1) (2,043) (648,603) (764,167) (8,311,730) (135,235,985) - (1) (11,584,095) (648,603) (8,311,730) (135,235,985) 297,850 (11,584,095) The notes stated are part of these Financial Statements The notes stated are part of these Financial Statements 8 8 SME CORP. MALAYSIA ANNUAL REPORT 2021 SME CORPORATION MALAYSIA
 STATEMENT OF DEVELOPMENT EXPENDITURES BUDGET PERFORMANCE FOR THE YEAR ENDED 31 DECEMBER 2021 FINANCIAL REPORT 245 Code Ceiling Allocation Development Funds Actual Expenditures Receipts 2021 SME CORPORATION MALAYSIA 2021
 RM RM STATEMENT OF DEVELOPMENT EXPENDITURES BUDGET PERFORMANCE FOR THE YEAR ENDED 31 DECEMBER 2021 Final Allocation 2021 12th MPs 2021 RM RM RM Balance 12th Malaysia Plan 00514 Galakan Eksport Bumiputera (GEB) Programme 00601 SME Capacity & Capability Code Improvement Scheme (BAP 3.0) Development Funds 00601 Bumiputera Enterprise Enhancement Programme 2.0 (BEEP 2.0) 12th Malaysia Plan 00603 Tunas Usahawan Belia 00514 Galakan Eksport Bumiputera Bumiputera (TUBE) (GEB) Programme Programme 00601 SME Capacity & Capability 00606 Micro Entrepreneurship Improvement Scheme (BAP Development Programme 3.0) 00607 Programme for Enhancement 00601 Bumiputera Enterprise of Strategic Industry and High Enhancement Programme 2.0 Growth
 Enterprise (BEEP 2.0) (PRESTIGE) 00603 Tunas Usahawan Belia 00607 Inclusive SME Ecosystem Bumiputera (TUBE) (I-SEE) Programme 00608 SME Rating & Accreditation 00606 Micro Entrepreneurship Development Programme 00607 Programme for Enhancement of Strategic Industry and High Growth Enterprise (PRESTIGE) 00607 Inclusive SME Ecosystem (I-SEE) 300,000 300,000 300,000 308,256 (8,256) 20,000,000 Ceiling Allocation 20,000,000 12th MPs Receipts 2021 20,000,000 Final Allocation 2021 2021 17,000,000 RM 17,000,000 RM
 17,000,000 RM 15,503,287 Actual Expenditures 2021 7,966,866 RM 4,496,713 Balance 9,033,134 RM 10,000,000 300,000 9,000,000 300,000 9,000,000 300,000 7,020,000 308,256 1,980,000 (8,256) SME Rating & Accreditation 4,000,000 4,000,000 4,000,000 952,263 3,047,737 66,700,000 65,700,000 65,700,000 38,249,706 27,450,294 The notes stated are part of these Financial Statements 9 9 The notes stated are part of these Financial Statements 246 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 1.
PRINCIPLE ACTIVITIES Small and Medium Enterprises Corporation Malaysia was established under the Small and Medium Enterprises Development Corporation Act 1995 (Act 539).

The main activities of Small and Medium Enterprises Corporation the Malaysian are to provide, coordinate and monitors financial assistance schemes for Small and Medium Enterprises (SMEs) through soft loans and related grants that aim to promote the development of SMEs.
Small and Medium Enterprises Corporation Malaysia operates at the address SME 1, Block B, Platinum Sentral, Jalan Sentral 2, Kuala Lumpur Sentral, 50470 Kuala Lumpur, Malaysia.

Members of Corporation approved the Financial Statements for the year ended 31 December 2021 to be published via Members’ Corporation Meeting No.

2/2022 dated 25 June 2022.

2.

BASIS OF PREPARATION OF FINANCIAL STATEMENTS 2.1.


Basis of Accounting The Financial Statements are prepared based on Malaysian Public Sector Accounting Standards ("MPSAS").

2.2.

Basis of Measurement The Financial Statements are prepared based on the historical cost convention and comply with the accounting standards approved in Malaysia unless stated otherwise.

2.3.
2.3.

Functional and Presentation Currency The Financial Statements are presented in Ringgit Malaysia (RM), which is the reporting and functional currency of Small and Medium Enterprises Corporation.

Malaysia.

2.4.

Significant Accounting Estimates and Judgement Preparation of financial statements that comply with MPSAS requires management to make judgments, estimates and assumptions that affect the application of accounting policies and the amount of assets, liabilities, income and expenses.
Actual results may differ from these estimates.

Estimates and the basis of assumptions are reviewed regularly.

Revisions to accounting estimates are recognized at the time they are made and in any period in which they are incurred.

There is no significant uncertainty on estimation and critical judgment in applying the accounting policies that affect amounts recognized in the financial statements unless otherwise indicated in the notes to the financial statements.
10 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 247 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.

SIGNIFICANT ACCOUNTING POLICIES 3.1.

Financial Instrument 3.1.1.

Financial Asset i.


Initial Recognition and Measurement Financial Assets are recognized in the Statement of Financial Position when, and only when SMECORP becomes a party to the contractual provision of the instrument.

Financial assets are classified as follows: • Financial assets at fair value through surplus or deficit ; • Loans and receivables; and • Investment assets are held until maturity.
The classification of financial assets depends on the purpose for which financial asset are acquired.

Purchase or disposal of financial assets that required delivery within the time frame established by the market will be recognized on the transaction date.

Financial instruments are initially measured at transaction cost, (including transaction costs, except for those financial assets or financial liabilities classified as at fair value through surplus or deficit which initially measured at fair value).
This recognition does not include financing transactions.

For financial asset or financial liabilities under financing transaction, it shall be measured at the present value of the future payments discounted at a market rate of interest for a similar instrument.

ii.
ii.

Subsequent Measurement Subsequent Measurement for financial assets depends on their classification: a) Financial Assets at Fair Value through Surplus or Deficit Financial assets are held for trading, and those designated at fair value through surplus or deficit at inception.

A financial asset is classified as held for trading if it is acquired principally for the purpose of selling in the short term.
Financial assets designated as at fair value through surplus or deficit at inception are those that are managed, and their performances are evaluated on a fair value basis.

Assets in this category are presented in the Statement of Financial Positions.

11 248 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.

SIGNIFICANT ACCOUNTING POLICIES (CONT‘D) 3.1.


Financial Instrument (cont‘d) 3.1.1.

Financial Asset (cont‘d) ii.

Subsequent Measurement (cont‘d) b) Loans and Receivables Loans and receivables are non-derivative financial assets with fixed or determinable payments that are not quoted in an active market.

Loans and receivables are measured at amortised cost using the effective interest method, lee any impairment.
Financial instruments that have been classified as current assets or liabilities are stated at discounted cash amount or the amount of consideration to be received or paid unless the transaction in a financing transaction.

c) Held-to-maturity investments.

Held-to-maturity investments are non-derivative financial assets with fixed or determinable payments and fixed maturity that SMECORP has a positive intention and ability to hold to maturity.
After initial recognition, these assets shall be measured at amortised cost using the effective interest method after impairment cost.

Amortised cost is determined by considering any premiums or discounts at the date of acquisition including integrated fees and costs as the effective interest rate.

Impairment losses are recognized in the surplus or deficit.
The impairment losses on financial assets are recognized, only there is objective evidence such as insolvency or significant financial difficulties of the debtor and significant default or delay in repayment.

iii.

Derecognition A financial asset or as a part, is derecognized when, and only when the contractual rights to the cash flows from the financial asset expire, or when it transfers all the risks and rewards of ownership of the financial asset to another entity.
On derecognition of a financial asset, the difference between the asset’s carrying amount and the sum of the consideration received and receivable (including any new asset obtained less any new liability assumed) is recognized in surplus or deficit.

A financial liability or as a parts is derecognized when, and only when the obligations are discharge, cancelled or have expired.
On derecognition of a financial liability, the difference between the carrying amount of the financial liabilities derecognized, and the consideration paid, including any non-cash assets transferred or liabilities assumed is recognised in surplus or deficit.

12 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 249 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.
SIGNIFICANT ACCOUNTING POLICIES (CONT‘D) 3.1.

Financial Instrument (cont‘d) 3.1.1.

Financial Asset (cont‘d) iv.

Impairment of Financial Assets SMECORP assesses at each reporting date whether its financial assets are to be impaired.

Impairment losses are recognised in the Statement of Financial Performance where there is objective evidence of impairment due to events after the initial measurement date that affects the estimated future cash flows.

3.1.2.

Financial Liabilities i.


Initial Recognition and Measurement Financial liabilities within the scope of MPSAS 29 are classified: • Financial liabilities at fair value through surplus or deficit; or • Loans and financing.

The classification of financial liabilities is determined at initial recognition.

Financial liabilities include trade and other payables, loans and financing and financial guarantee contracts.
All financial liabilities are recognised initially at fair value and, in the case of loans and borrowings, plus directly attributable transaction costs.

ii.

Subsequent Measurement Subsequent Measurement classification: for financial liabilities depends on their a) Financial Liabilities at Fair Value through Surplus or Deficit These liabilities include financial liabilities held for trading and financial liabilities designated upon initial recognition as at fair value through surplus or deficit.
Financial liabilities are classified as held for trading if they are acquired for the purpose of selling in the near term.

Gain or losses on liabilities held for trading are recognised in surplus or deficit.

b) Loans and Financing initial recognition, financing are interest-bearing After subsequently measured at amortised cost using the effective interest method.
Gain and losses are recognised in surplus or deficit when the liabilities are derecognized as well as through the effective interest method amortization process.

loans and 13 250 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.

SIGNIFICANT ACCOUNTING POLICIES (CONT‘D) 3.1.

Financial Instrument (cont‘d) 3.1.2.

Financial Liabilities (cont‘d) ii.


Subsequent Measurement (cont‘d) b) Loans and Financing Amortised cost is calculated by considering any discount or premium on acquisition and fees or costs that are an integral part of the effective interest rate.

iii.

Derecognition A financial liability is derecognized when the obligation under the liability is discharged or cancelled or expires.
When an existing financial liability is replaced by another from the same creditor on substantially different terms, or the terms of an existing liability are substantially modified, such an exchange or modification is treated as derecognition of the original liability and the recognition of new liability, and the difference in the respective carrying amounts is recognised in surplus or deficit.

iv.
iv.

Offsetting of Financial Instruments Financial assets and financial liabilities are offset, and the net amount reported in the Statement of Financial Position, if, and only if, there is a currently enforceable legal right to offset the recognised amounts and there is an intention to settle on a net basis or to realise the assets and settle the liabilities simultaneously.

3.1.3.
3.1.3.

Financial Risk Management Expose to interest rates, liquidity and credit risk arises in the ordinary course of the SMECORP’s operation.

This note presents information on the exposure for each of the above risks, policies and processes for measuring and managing risk in the management of the SMECORP’s funds.

Further quantitative disclosure is included in this financial statement.
a) Credit Risk The maximum credit risk refers to financial loss to SME Corp. Malaysia if a customer or counterparty to a financial instrument has failed to fulfill its contractual obligations at the balance sheet date.

Principally, the carrying amount of financial assets from debtors and SME Corp's cash and cash equivalents at the balance sheet date.
14 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 251 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.

SIGNIFICANT ACCOUNTING POLICIES (CONT‘D) 3.1.

Financial Instrument (cont‘d) 3.1.4.

Financial Risk Management (cont‘d) b) Liquidity Risk Liquidity risk is when SME Corp. is unable to fulfill its obligations when the time comes.
SME Corp.'s approach to manage liquidity risk is to ensure that SME Corp. Malaysia has sufficient cash on demand to meet expected operating expenses through expected cash flows.

c) Interest Rate Risk SME Corp. Malaysia is exposed to interest rate risk because SME Corp. Malaysia makes short-term investments (fixed deposits) in banks or any financial institutions authorised by the Treasury of Malaysian.
Fair value of financial assets and liabilities is included at the amount at which the instrument can be exchanged in a current transaction between willing parties.

The approximate carrying amount of fair value of financial assets and liabilities at the end of the financial reporting period.

3.2.

Cash and Cash Equivalents Cash flow statement has been prepared using the indirect method.

Cash equivalents are held purposely to meet short-term cash commitments and for no other purpose.
Cash and Cash Equivalents consist of cash on hand and at banks and highly liquid investments with licensed banks and financial institutions that have a maturity of (6) months or less that are readily convertible to known amounts of cash and are subject to an insignificant risk of changes in value.

3.3.

Property, Plant and Equipments i.

Recognition and Measurement Property, Plant and Equipments are measured at cost less accumulated depreciation and accumulated impairment losses (if any).
Cost includes expenditure that are directly attributable to the acquisition of the asset.

When significant parts of an item of property and equipment have different useful lives, they are accounted for as separate items of property and equipment , and then those components are deorecited separately.
When an asset is acquired through a non-exchange transaction, at no nominal cost or return, its cost shall be measured at its fair value as at the date of acquisition and will be recognized as income in the statement of financial performance.

Subsequent costs will be included in the carrying value of the asset or treated as a separate asset, where appropriate, only when the future economic benefits or service potentially associated with the asset are recoverable and the cost can be measured reliably.
15 252 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.

SIGNIFICANT ACCOUNTING POLICIES (CONT‘D) 3.4.

Property, Plant and Equipments (cont‘d) ii.


Recognition and Measurement (cont‘d) The gain or loss on disposal of an item of property and quipment is determined by comparing the proceeds from disposal with the carrying amount of the property and equipment shall be recognised in the statement of financial performance, whre applicable.
The cost replacing parts of the asset is recognised as carrying amount, only when future economic benefits or services potentially associated with the assets will flow to SMECORP and can be measured reliably.

The carrying amount of those parts that are replaced is derecognised in surplus or deficit.

ii.

Depreciation Each part of an item of the asset with a cost that is significant in relation to the total cost shall be depreciated separately.
All property and equipment are measured at cost less accumulated depreciation and any accumulated impairment losses (if any).

Depreciation is carried out on straight-line basis over estimated useful life of each asset.

The annual depreciation rates are as follows: Furniture and fittings Motor Vehicles Office Equiments Computers Renovations 10% 20% 20% 33.33% 25% The carrying amount of an assets is assessed when thare are indicators of impairment.
An assets’s carrying amount is written down immediately to its recoverable amount if the assets’s carrying amount is greater that its estimated recoverable amount.

The recovered value is the higher value between the realizable value of the asset and its value in use.

If an asset is acquired through a non-exchange transaction, the cost must be measured at its fair value as at the acquisition date.
These assets will be credited to the Statement of Financial Performance unless there are condition on the use of the asset, which need to be recognised in the current liability.

Purchase of assets for RM2,000 and above per unit will be capitalised.

The renovation cost on the premises/buildings will be charged in Statement of Financial Performance.
16 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 253 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.

SIGNIFICANT ACCOUNTING POLICIES (CONT‘D) 3.3 Property, Plant and Equipments (cont‘d) ii.

Depreciation If the carrying amount of assets is decreased, the asset will be revalued to its recoverable cost.
The gain or loss arising from the sales of assets shall be determined by comparing cash proceeds received and the net book value of assets, and the gain or loss will be recognised in the Statement of Financial Performance.

iii.

Assets received for free (non-exchange) Assets received for free should be recorded at the fair value of the asset at the time the asset is received, and the credit is stated as non-exchange income.
Entities are given a three-year period beginning with the first financial year of using MPSAS to recognise assets and liabilities based on MPSAS requirements.

3.4.
Intangblie Assets Costs related to the development of work in progress, maintenance of software applications and computer systems are taken into account when those costs are incurred that are directly related to identified software products and controlled by the SMECORP recognized as intangible assets when the following criteria are met: (i) Technical feasibility in preparing Intangible Assets so that they are available for use or sale; (ii) The intention of the entity to prepare the Intangible Assets for use or sale; (iii) The entity's ability to use or sell Intangible Assets; (iv) The manner in which intangible asset will produce future economic benefits or potential service.
Among other things, the entity can demonstrate the existence of a market for the output of intangible asset or intangible asset itself or, usefulness of intangible asset if it is for internal use; (v) Availability of sufficient technical, financial and other resources to complete the development and to use or sell the Intangible Assets; and (vi) The ability to measure expenditure accurately that can be attributed to Intangible Assets during development.
Direct costs capitalized as part of software product include software development costs and any other relevant costs.

Other development expenditures that do not meet these criteria are recognized as expenses when incurred.

Development costs that were previously recognized as expenses are not recognized as assets in subsequent periods.
The development cost of computer software is calculated as an asset amortized from the point where the asset is ready for use over its estimated useful life, which does not exceed 5 years.

The acquisition of computer software is capitalized based on the total cost of purchase and use of the software.

The cost is amortized according to the estimated useful life of 5 years.
17 254 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.

SIGNIFICANT ACCOUNTING POLICIES (CONT‘D) 3.5.


Provision for liabilities Provisions for liabilities are recognised when organization has an obligation due to occurrence of past events and it is probable that an outflow of resources containing economic benefits or potential service is required to settle the obligation with a reasonable estimated amount.

Provisions for liabilities are reviewed at each date of statement of financial position and adjusted to reflect the best current estimate.
The amount provision of the liability is the present value of the expenditure expected to be required to settle the obligation where the effect of the currency value is material.

3.6.

Employee Benefits 3.6.1.


Short Term Employee Benefits Employee Benefits in respect of wages, salaries, bonuses, and accumulated leave encashment are calculated on non-discounted basis and recognised as expenses in current period where the settlement of leave encashment is paid to eligible employees who optional or compulsory retire from service with the Corporation or early redemption of leave encashment which is allowed by the Government.

3.6.2.
3.6.2.

Long Term Employee Benefits (Leave Encashment) SMECORP has adopted the MPSAS 25 (Employee Benefits) requirement which employee benefits are payable after retirement.

This payment is recognised as an expense in the Statement of Financial Performance as incurred.

Provision of employee benefits is stated as a liability in the Statement of Financial Position.
Provision of employee benefits is recognised in an accrual basis based on the actual number of accumulated leave (maximum of 150 days), eligibility of retirement age , and the length of service.

The current salary rate has been used to calculate the amount of the liability.

3.7.

Revenue Recognition 3.7.1.


Revenue from Non-Exchange Transaction A non-exchange transaction will be recognised as an asset when there are future economic benefits or potential services expected to flow into the entity, it is caused by past events and the fair value of the asset can be reasonably measured.

Non-exchange transactions recognised as assets should be recognised as revenue, except to the extent that liabilities are also recognised from the same inflow.
When the obligation for a liability has been satisfied, the entity shall reduce the carrying amount of the recognised liability and recognize an amount of revenue equal to the reduction.

18 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 255 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.

SIGNIFICANT ACCOUNTING POLICIES (CONT‘D) 3.7.

3.7.1.
3.7.1.

Revenue from Non-Exchange Transaction (cont‘d) Revenue Recognition (cont‘d) a) Realisation of Development Grant Recognition of Development Grants with specific implementation conditions are recognized as income when the specified conditions are met.

b) Operating Grant Operating Grant is a grant received to finance the operating expenditures of SMECORP and is considered as income in the Statement of Financial Performance.

3.7.2.
3.7.2.

Revenue from Exchange Transaction Revenue from an exchange transaction is recognized when it is probable that future economic benefits or potential services will flow to the entity and these benefits can be measured reliably.

a) Profits from fixed deposits Time-proportion basis is recognised that considered based on the effective rate of return on fixed deposits.
The effective rate of return on fixed deposits is the rate of profit required to discount the expected future cash flows over the life of the asset to equal the initial carrying amount of fixed deposit.

Profits of fixed deposit from fund will be distributed as income of the respective funds, if investments are made from the allocation of the fund.

For other fixed savings investments, income is considered in the financial performance statement.
b) Rental Income Income from collection of rentals is recognised on an accrual basis according to the tenure of the rental agreement.

c) Others revenue is recognised when service is rendered.

3.8.

Sundry Receivables and Prepaids Sundry receivables and prepaids are carried at expected realisable value.

Bad debts will be written off when they are identified.

An estimate is made for doubtful debts after the outstanding balance is reviewed at date of the statement of financial position.
A specific provision is made for doubtful debts which have been individually reviewed and specifically identified as non-performing debts.

19 256 (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR YEAR ENDED 31 DECEMBER 2021 3.

SIGNIFICANT ACCOUNTING POLICIES (CONT‘D) 3.9.

Budget Information The annual budget is prepared on a cash basis.
Since the financial statements are prepared using the accrual basis, a Comparative Statement of Budget and Actual is disclosed separately.

This statement has been prepared using the basis of preparation annual budget and only refers to operating budget.

3.10.

Taxation Interest income (except interest on vehicle loans and staff computer loans) is taxable.

Other income from other commercial activities and rental income received is exempt from tax under the Income Tax (Exemption) Order (No.

22) 2006.
22) 2006.

Income tax on surplus or deficit in the current financial year comprises current and deferred tax.

Current tax is the expected tax payable or receivable on the taxable income or deposit for the year using tax rate enacted by the end of the reporting date..

Deferred income tax is recognised on the difference between the carrying amount of assets and liabilities in the financial statements and uses the corresponding tax basis in the calculation of taxable profit.
A deferred tax liability is generally recognised for all deductible temporary differences and a deferred tax asset is generally recognised for all deductible temporary differences to the extent that it is probable that an existing taxable profit against the temporary difference is deductible.

The amount of deferred tax is measured based on the expected manner of realisation or settlement of assets and liabilities, using tax rates enacted or substantively enacted at the reporting date.
Deferred tax is recognized in the financial statements, except to the extent that the tax arises from a business combination or a transaction recognised directly in equity or arising from a business combination is adjusted against goodwill on acquisition or negative goodwill.
20 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 257 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 2021 RM 62,209,019 26,000 62,235,019 2020 RM 67,525,780 26,000 67,551,780 2021 RM 763,106 8,990 76,305 848,401 2020 RM 778,537 21,138 106,308 905,983 <12 Months Exceeds the period but unaffected Between 2 - 5 years RM 450,899 4,021 52,181 507,101 RM 204,683 4,969 24,124 233,776 More than 5 years RM 107,524 - - 107,524 Annual Rate (%) Loan Tenure (Maximum) 2% 4% 0% 9 years 4 years 7 years 4.
CASH AND CASH EQUIVALENT Cash In Bank Petty Cash 5.

EMPLOYEE LOANS Vehicle Loans Computer Loans Education Loans EMPLOYEE LOANS 2021 RM 763,106 8,990 76,305 848,401 Vehicle Loans Computer Loans Education Loans Total Interest rate: Vehicle Loans Computer Loans Education Loans 22 258 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 6.
DEVELOPMENT FUND RECEIVABLES i) Development Fund Receivables Less : Provision of Doubtful Debts 2021 RM 2020 RM 1,010,302,794 (4,866,182) 1,005,436,612 954,902,443 (5,026,182) 949,876,261 Development Fund Receivables Grant for SMEs Grant (Soft Loan) Long Term Investment Withdrawal of Grants Total Opening Balance as at 1 January 2021 Additional Expenses Grant Received Profit/(loss) Write-off Refunds Impairment Balance at 31 December 2021 10,820,300 4,000,000 (6,361,793) - - - (1,730,809) - 6,727,698 942,966,900 44,000,000 - 6,580,493 - (10,333,617) (295,603) 19,854,334 1,002,772,507 (27,033) - (741,617) - 400,638 - - - (368,012) 1,142,276 38,325 - - - - (10,000) - 1,170,601 954,902,443 48,038,325 (7,103,410) 6,580,493 400,638 (10,333,617) (2,036,412) 19,854,334 1,010,302,794 ii) Provision of Doubtful Debts: Opening Balance as at 1 January Current Year Provision Adjusted Impairment Balance as at 31 Disember 2021 RM 5,026,182 - (160,000) 4,866,182 2020 RM 857,733 4,168,449 - 5,026,182 ii) iii) iv) Development Fund Receivables is a group of strategic implementing partners to manage soft loans for SMEs.
These funds are channeled to relevant banks and agencies which appointed by SMECORP such as MIDF, SME Bank, MARA and Bank Rakyat where these funds have risk of non-performing loans being written off.

Write-offs and Grants Received in Development Fund Debtors refer to transactions that have been recognized in the accounts of Development Fund Debtors, namely MIDF Bhd and SME Bank Bhd.
Referring to the requirements of MPSAS 14, write-offs amounting to RM10,333,617 have been taken into account based on the decision of the Malaysian Small and Medium Enterprises Corporation (SMECORP) Member Meeting No.

3/2021 which convened on 5 October 2021.

However, MIDF considered this transaction in 2022 where MIDF Bhd received a letter of approval on 4 January 2022 from the Malaysian Small and Medium Enterprises Corporation through a letter dated 29 December 2021.
MIDF has prepared its Financial Statements based on the Malaysian Private Entities Reporting Standard (MPERS) effective 1 January 2017.

Prior years, the Statements of Fund Financial Position were prepared in accordance with the Private Entity Reporting Standard (PERS).

Therefore, a late adjustment was implemented retrospectively against the amount carried forward for impairment of RM19,854,334 that occurred before year of 2015.
As a result of the transition from PERS to MPERS, the adjustment has already been recorded by MIDF in the Statements of Fund Financial Position in financial year of 2021 .

v) Income received amounting to RM553,310 has been recognised as at 31 December 2021 is profit from loans to SMEs in year 2021 which declared by SME Bank Bhd through letter reference no.

SHM/CIM 911/2 dated 14 April 2022.


23 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 259 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 7.
AMOUNT RECEIVABLE FROM EXCHANGE TRANSACTIONS Sundry Receivables Rental Receivables Interest Receivables from Escrow Accounts Accrued Interest Received from Fixed Deposits 2021 RM 2020 RM 252,564 19,200 12,530 923,222 1,207,516 145,307 - - 833,234 978,541 No interest rate is charged for Sundry Receivables.

Repayment period is within 30 days.

8.


AMOUNT RECEIVABLE FROM NON-EXCHANGE TRANSACTIONS Transfer of Balance of Development Grants 2021 RM 2020 RM 24,459,264 - The Ministry of Finance has approved the use of remaining allocation of the 10th Malaysia Development and Minimum Wage Year 2014 Fund on 24 January 2022 of RM24,459.264 for the purpose of operation for the year 2021.

9.

DEPOSITS AND PREPAYMENTS Rental Deposits Utility Deposits Other Deposits 10.
LONG TERM INVESTMENT 2021 RM 194,709 1,670,848 81,804 1,947,361 2020 RM 187,788 1,670,148 72,888 1,930,824 Long-term investments consist of Redeemable Preference Share ('RPS') investments with venture capital companies involved in investing in start-up companies, and small and medium-sized enterprises with high growth potential.

As at 31 December 2021, SME Corp. Malaysia has made investments amounting to RM20,296,986.

This investment is recognised at amortized cost.


Its categorized as a held-to-maturity investment as this investment has a maturity period of 5 years and redemption will be made on the maturity date.

24 260 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 11.
PROPERTY, PLANT AND EQUIPMENT Furniture and Equipment Motor Vehicle Office Equipment Computers Office Renovation RM RM RM RM RM Total RM 489,783 5,110 - 1,938,306 - - 3,525,066 145,075 (10,664) 2,838,522 128,714 2,286,033 18,950 - - 11,077,710 297,849 (10,664) 2021 Cost At 1.1.2021 Addition Disposal At 31.12.2021 494,893 1,938,306 3,659,477 2,967,236 2,304,983 11,364,895 Accumulated Depreciation At 1.1.2021 Addition Disposal 317,283 32,483 1,642,377 144,519 - - 2,943,789 281,904 (10,663) 2,707,590 97,614 2,113,307 92,083 - - 9,724,346 648,603 (10,663) At 31.12.2021 349,766 1,786,896 3,215,030 2,805,204 2,205,390 10,362,286 Carrying Amount At 31.12.2021 145,127 151,410 444,447 162,032 99,593 1,002,609 Furniture and Equipment Motor Vehicle Office Equipment Computers Office Renovation RM RM RM RM RM Total RM 489,783 - - 1,800,849 137,457 - 3,460,119 110,883 (45,936) 2,842,521 2,286,033 - (3,999) - - 10,879,305 248,340 (49,935) 2020 Cost At 1.1.2020 Addition Disposal At 31.12.2020 489,783 1,938,306 3,525,066 2,838,522 2,286,033 11,077,710 Accumulated Depreciation At 1.1.2020 Addition Disposal At 31.12.2020 Carrying Amount 285,097 32,186 - 317,283 1,488,283 154,094 - 2,730,482 259,232 (45,925) 2,579,738 131,850 (3,998) 1,926,576 186,731 - 9,010,176 764,093 (49,923) 1,642,377 2,943,789 2,707,590 2,113,307 9,724,346 At 31.12.2020 172,500 295,929 581,277 130,932 172,726 1,353,364 25 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 261 (Incorporated under the Small and Medium Industries Development Corporation
 Act, 1995) SME CORPORATION MALAYSIA NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 12.
INTANGIBLE ASSETS Application System: Cost: As at 1 January Additions Transfer to Expenses As at 31 December 2021 RM 2020 RM 52,137 2,608,926 (173,790) 2,487,273 - 52,137 - 52,137 Intangible Assets consist of system application development costs.

The implementation of ICT projects development are still work in progress.

Amortization costs will be recognized as expenses when meet its criteria that have been set.

13.
13.

PAYABLES FROM EXCHANGE TRANSACTION Trade Payables Accrued Expenses Other Deposits Deferred Income 2021 RM - 4,760,893 12,339,356 750 17,100,999 2020 RM 92,000 1,600,602 16,555,069 - 18,247,671 26 262 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 14.
PROVISION FOR EMPLOYEE BENEFITS Opening balance as at 1 Januari Additions for current year Payments Closing as at 31 December Presented as:- Current Liability Non-Current Liability 2021 RM 2020 RM Restated 2,683,065 764,167 (116,024) 3,331,208 905,752 2,425,456 3,331,208 1,727,473 1,007,734 (52,142) 2,683,065 35,786 2,647,279 2,683,065 The retirement benefit plan is Leave Compensation (GCR) where the Corporation allows employees to accumulate unused annual leave up to a maximum of 150 days.
This GCR can be converted into cash based on the final salary where payment is made on the mandatory retirement date or earlier through optional retirement where the employee has reached the age of more than 40 years or a period of service exceeding 10 years or retirement due to health or death while in service .

Reduction in prior year has been taken into account based on calculations and adjustments carried out by the appointed actuary, Nicholas Actuarial Solutions Sdn Bhd.
This benefit plan is exposed to financial risk arising from changes in discount rates and future salary increases rate.

Its also exposed to demographic risk resulting from actual retirement rates occurring in the future that are not as expected.
The amount recognized in profit or loss:- Current Service Cost Benefits Cost Main actuarial assumptions used in the calculation are as follows:- Salary Increase Rate Discount Rate 2021 RM 2020 RM Restated 279,555 108,750 388,305 283,202 111,126 394,328 2021 5% 4% 2020 5% 4% Equivalent single weighted average discount rate is found from the Malaysian Government Securities (MGS) zero coupon spot rate and the cash flows of the defined benefit obligation.
Single weighted average discount rate is used to calculate the interest cost.

 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 263 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 15.

OTHER PAYABLES Sundry Creditors : Nova Spectra (M) Sdn.

Bhd.

Less:Service Charge on Long Term Creditors Chairman Award : 2016 : En.
Mohamad Rozlan Bin Mohd Razali 16.

SHARIAH COMPLIANT SCHEME FUND Balance as at 1 January Additional Allocation Grant Disbursments Balance as at 31 December 2021 RM 2020 RM - - - 45,000 45,000 - (1,762) (1,762) 45,000 43,238 2021 RM 24,415,725 - (10,363,643) 14,052,082 2020 RM 17,142,485 15,000,000 (7,726,760) 24,415,725 Syariah Compliance Scheme Fund is a government grant allocated for SMEs where the profit rate on approved financing is given a rebate of 2%.
These funds are channeled to Islamic Banking Institutions as claims based on approved loans.

28 264 I I A S Y A L A M N O T A R O P R O C E M S ) 5 9 9 1 , ( I S T N E M E T A T S L A C N A N F E H T O T S E T O N I ) D E U N T N O C I ( .
- 2 1 0 2 n a P l r e t s a M E M S .
i g n c n a n i f n a o l d n a t n a r g r o f l , ) i 0 0 0 , 0 0 7 , 5 9 7 6 5 , 3 2 7 , 6 8 2 , 1 4 4 4 , 1 2 4 , 5 5 0 0 0 , 0 0 0 , 0 3 ) 1 4 4 , 9 0 5 , 5 2 1 ( ) 6 4 0 , 7 0 1 , 3 1 ( ) 0 2 3 , 2 3 3 ( 1 3 1 , 1 8 9 , 6 4 3 3 , 4 5 8 , 9 1 - - - 1 7 2 , 7 1 4 , 3 8 2 , 1 8 9 3 , 4 1 3 , 2 7 - - , ) 7 1 6 3 3 3 0 1 ( , , 1 5 9 6 5 0 2 4 7 , , 0 5 6 4 8 9 5 , , 4 3 3 4 5 8 9 1 , , 8 1 3 2 6 5 7 5 7 , - - - - 6 2 5 4 4 , , 9 4 3 4 3 9 7 5 1 , , 5 7 8 8 7 9 7 5 1 , - ) 0 2 3 2 3 3 ( , 1 8 4 6 9 9 , - - - , ) 8 9 5 3 6 8 3 6 ( , , ) 6 0 7 9 4 2 8 3 ( , , 6 8 3 1 1 1 8 6 2 , , 4 9 2 0 5 4 7 2 , - , 0 0 0 0 0 7 5 6 , , 3 2 8 0 1 3 1 3 3 , - ) 9 6 7 , 2 3 5 , 1 6 ( 0 0 0 , 0 1 5 , 1 5 1 5 4 3 , 0 8 9 , 8 3 2 , 1 - 6 8 9 , 6 9 2 5 0 0 , 9 6 4 , 7 ) 0 0 0 , 0 0 0 , 0 5 ( l a t o T M R - - - - 5 1 5 , 7 2 8 , 5 3 0 0 0 , 0 1 0 , 3 2 ) 1 7 0 , 6 1 4 , 3 ( s d n u F M R - - - , 8 5 3 7 2 9 7 8 7 , , 3 9 5 9 2 1 4 , , 9 9 9 6 9 4 6 5 1 , , 3 7 4 8 2 7 8 5 2 , , ) 1 9 6 8 8 2 2 ( , , ) 7 0 0 8 2 8 5 5 ( , - , 0 0 0 0 0 5 8 2 1 , - 1 4 0 1 , - , 1 7 3 8 3 3 3 , M R M R M R - - 6 8 9 6 9 2 , , ) 0 0 0 0 0 0 0 5 ( , , 0 0 0 5 2 7 3 , , ) 0 0 0 5 2 7 3 ( , 7 6 5 , 3 2 7 , 6 8 2 , 1 4 4 4 , 1 2 4 , 5 5 , 1 5 9 6 5 0 2 4 7 , , 9 4 3 4 3 9 7 5 1 , , 3 2 8 0 1 3 1 3 3 , 9 2 - - - - - - - - r e h t O t n e m
1 3 1 3 3 , 9 2 - - - - - - - - SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL
l SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 265 - e n o s a n e v g i d n a ) K M R ( 0 7 4 , 9 3 2 , 6 2 5 8 3 , 7 7 1 5 2 , 9 2 6 , 1 4 6 4 , 5 8 2 , 3 4 7 7 , 6 6 2 , 2 0 0 6 , 6 9 9 , 9 1 0 0 5 , 6 2 9 , 1 - 4 4 4 , 1 2 4 , 5 5 0 2 0 2 M R 0 5 2 , 7 5 4 , 1 4 6 4 , 5 8 2 , 3 5 8 3 , 7 7 4 7 7 , 6 6 2 , 2 2 6 1 , 4 2 1 , 8 3 9 8 , 3 6 8 0 7 4 , 9 3 2 , 6 2 0 0 0 , 0 0 0 , 0 3 8 9 3 , 4 1 3 , .
t u o t e s ) P E E B ( - - r o t c e n n o C o r c M i A S A K R E M E P - t i d e r C o r c M i ) E B U T ( - ) I P H ( m a r g o r P t c a p m I h g H i A N A J N E P - , 4 6 8 3 0 7 7 5 , , 5 0 9 8 2 8 3 , - 9 6 7 , 2 3 5 , 1 6 0 2 0 2 M R ) 0 0 0 , 0 6 1 ( 4 2 8 , 5 3 3 , 5 1 1 7 1 6 , 3 3 3 , 0 1 1 4 4 , 9 0 5 , .
) 5 9 9 1 , ( I S T N E M E T A T S L A C N A N F E H T O T S E T O N I ) D E U N T N O C I ( .
7 1 266 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 18.

FEDERAL GOVERNMENT GRANTS Transfers from Developments Funds Operating Grants Received 19.

CONTRIBUTIONS FROM GOVERNMENTS Ministry of Entrepreneur Development and Cooperatives (KUSKOP) Perak State Treasury Office 20.

CONTRIBUTIONS FROM OTHER AGENCIES Sarawak State Government 21.
CONTRIBUTIONS FROM PRIVATE 2021 RM 24,459,264 33,000,000 57,459,264 2020 RM 50,000,000 35,655,400 85,655,400 2021 RM 2020 RM - 219,938 100,000 100,000 9,000 228,938 2021 RM 6,000 6,000 2020 RM - - The private contribution is a sponsorship for SMIDEX Exhibition Program which held from 1 to 23 December 2021.

22.
OTHERS INCOME Sales of Tender Forms Others income START ME UP Business Toolkit Books Sales of Statistic Data Workshops & Seminars Registration, Assessment and Processing Fees Purchase Returns 2021 RM 1,350 11,696 924,995 4,200 22,000 1,494,886 111,554 2,570,681 2020 RM 2,800 56,999 27,496 12,960 37,720 173,700 - 311,675 31 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 267 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 23.
EMOLUMENTS Emolument expenses refer to the employment payments to staffs and key management staffs as specified.

Payment of salaries and wages, allowances, fixed allowances, statutory contributions for staffs are recognized over the period of service of the staffs and measured at transaction cost.

Wages and Salaries Fixed Allowances Allowances Employees Provident Fund Other Monetary Employee Benefits Other Benefits 24.
TAXATION Current Year Provision Understated Provision Restated Tax Adjustments Tax Expenditure 2021 RM 23,471,027 1,398,453 1,729,172 4,048,371 764,167 122,555 31,533,745 2021 RM 1,529,435 6,782,295 - 2020 RM Restated 23,233,024 558,212 1,744,731 3,994,970 - (6,673,512) 22,857,425 2020 RM Restated 40,698,385 - 1,935,023 8,311,730 42,633,408 Provision for Tax for the year 2020 has been taken into account based on the current tax rate and restated for the year 2020.
In the year 2021, tax has been allocated based on the current tax rate of 24% from the total interest received including the tax penalty that has been imposed in the current year as stated in Section 103/103A and Section 107C (10).

 268 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 25.
OPERATING LEASE COMMITMENTS Small and Medium Enterprises Corporation of Malaysia has entered into an irrevocable lease contract for the use of office space in Block B and Block C, Platinum Sentral, Kuala Lumpur Sentral.

This lease is for a period of 3 years (First Term) from 1 July 2011 at a fixed rental rate with an option to renew for a further 3 years (Second Term) at the market rental rate, subject to a minimum increase of 10% or the market rate whichever is greater height.
After that period, the Small and Medium Enterprises Corporation of Malaysia has the option to renew the lease for a period of 3 years (Third Term).

This contract does not contain an option clause to purchase the building.

Minimum Lease Payments Less Then One Year More than One Year and Less than 3 Years 26.
RELATED PARTY DISCLOSURES 2021 RM 26,309,266 78,927,798 105,237,064 2020 RM 26,309,266 78,927,798 105,237,064 Board Member of Small and Medium Enterprises Corporation of Malaysia The Corporation has 13 Board Members in the year ending 31 December 2021.

The total fixed allowance and meeting allowance in 2021 is RM633,600 for the year 2021 (2020: RM527,377).
Key management Personnels Key management personnel are those who have the authority and responsibility to plan, direct and control the activities of the entity either directly or indirectly, including any director of the entity.
The emoluments for the Chief Executive Officer, Deputy Chief Executive Officer, Chief Operating Officer and Senior Management Director for the year in question are as follows: 2021 RM 2020 RM Total Emolument Total Personnels 1,840,378 6 1,756,268 5 SME CORP. MALAYSIA ANNUAL REPORT 2021 FINANCIAL REPORT 269 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 27.
FINANCIAL INSTRUMENTS A financial instrument is any contract that gives rise to a financial asset for one business party and a financial liability or equity financial instrument for another business party.

The fair value of financial assets and liabilities is included in the amount at which the instrument can be exchanged in a current transaction between willing parties.

The fair value of financial assets and liabilities is an approximate carrying amount at the end of the financial reporting period.
Categories of Financial Instruments 2021 Financial Assets: Cash in Hand and at Bank Staff Loan Development Fund Receivables Amount Receivable From Exchange Transactions Amount Receivable From Non-Exchange Transactions Deposits and Prepayments Long Term Investment Financial Liabilities: Payables From Exchange Transaction 2020 Aset Kewangan: Cash in Hand and at Bank Staff Loan Development Fund Receivables Amount Receivable From Exchange Transactions Amount Receivable From Non-Exchange Transactions Deposits and Prepayments Long Term Investment Financial Liabilities: Payables From Exchange Transaction Objective and management of financial risk Carrying Amounts Financial Asset/(Liabilities) on amortised cost Held until mature RM RM RM 6,235,019 848,401 1,005,436,612 1,207,516 24,459,264 1,947,361 20,296,986 1,060,431,159 6,235,019 848,401 1,005,436,612 1,207,516 24,459,264 1,947,361 - 1,040,134,173 17,100,999 17,100,999 67,551,780 905,983 949,876,261 978,541 - 1,930,824 20,296,986 1,041,540,375 67,551,780 905,983 949,876,261 978,541 - 1,930,824 - 1,021,243,389 - - - - - - 20,296,986 20,296,986 - - - - - - - 20,296,986 20,296,986 18,247,671 18,247,671 - The Corporation is exposed to financial risks arising from operational activities and the use of instruments.
Corporations need to ensure financial resources are adequate for operational activities in addition to managing financial risks including risks to interest rates, liquidity, and credit risk.

financial 270 SME CORPORATION MALAYSIA (Incorporated under the Small and Medium Industries Development Corporation Act, 1995) NOTES TO THE FINANCIAL STATEMENTS FOR THE YEAR ENDED 31 DECEMBER 2021 (CONTINUED) 28.
COMPARISON FIGURES Certain comparative figures have been adjusted where necessary to adapt with certain circumstances and restated to conform with current-year situation 31 December 2020 STATEMENT OF FINANCIAL POSITION LIABILITIES CURRENT LIABILITIES Trade Payables Accrued Expenses Provisions for Employee Benefits Other Deposits Provison for Tax NON CURRENT LIABILITIES LONG TERM LIABILITIES Other Payables Provisions for Employee Benefits Shariah Compliant Scheme Fund (SSFS) STATEMENT OF FINANCIAL PERFORMANCE EXPENDITURES Emolument Taxation Previous stated RM Adjustments / Reclassifications RM Restated RM 92,000 1,600,602 64,468 16,555,069 40,698,385 59,010,524 - - (28,682) - 1,935,023 1,906,341 92,000 1,600,602 35,786 16,555,069 42,633,408 60,916,865 43,238 6,930,749 24,415,725 31,389,712 - (4,283,470) - (4,283,470) 43,238 2,647,279 24,415,725 27,106,242 27,169,577 (4,312,152) 22,857,425 40,698,385 1,935,023 42,633,408 a) The adjustments that need to be restated following audit findings after Financial Statement Report for the year of 2020 is finalized are as follows: i) ii) Tax Tax amounting to RM1,935,023 for year of 2020 has already been allocated based on current tax rate of 24% from the total amount of interest income recognized in year 2020.
Provision for Employee Benefits Provision for Long Term Employee Benefits already had been recalculated and re-adjusted with a reduction of RM4,283,470 using the Credit Unit Projection Method.
The recalculation has been carried out based on the appointed actuary's advisory; Nicholas Actuarial Solutions Sdn Bhd, 35 SME CORP. MALAYSIA ANNUAL REPORT 2021 Perbadanan Perusahaan Kecil dan Sederhana Malaysia (SME Corp. Malaysia) Tingkat 6, SME 1, Blok B, Platinum Sentral Jalan Stesen Sentral 2, Kuala Lumpur Sentral 50470 Kuala Lumpur, Malaysia Talian Info: 1-300-30-6000 Faks:+603-2775 6001 #rakanPKS www.smecorp.gov.my www.smeinfo.com.my smecorp smecorpmalaysia