PUTRAJAYA, July 12 (Bernama) -- The National Entrepreneurial Group
Economic Fund (Tekun Nasional) aims to disburse up to RM600 million in
loans to cottage industry entrepreneurs this year.
Source from (Bernama): http://www.bernama.com/bernama/v7/bu/newsbusiness.php?id=962907
Published: July 13, 2013
Last year, the agency gave out RM508 million.
Managing Director and Chief Executive Officer Datuk Abdul Rahim Hassan
said RM330 million were dished out in loans to 25,324 small-time traders
in the first six months of this year.
He said the government has allocated RM350 million this year to provide
small loans for entrepreneurs to start cottage industries.
Money received from loan repayments will also be ploughed back into the
loan fund, bringing to RM600 million the loan fund available for this
year, he told a media conference to mark Tekun Nasional's victory of the
"Best Innovation in Financial Services Award" in Karlsruhe, Germany,
last week.
Abdul Rahim said about RM250 million will given out to 20,000 cottage industry operators in the next six months.
He said the loan repayment rate was 85 per cent, an encouraging level
for a cottage industry development credit facility agency like Tekun
Nasional.
On Tekun Nasional's growth, Abdul Rahim said the agency has disbursed
RM2.7 billion to 252,497 small-time entrepreneurs between 1998 and until
June this year.
He said funds received from the government totalled RM1.7 billion but the agency had given out RM2.7 billion so far.
"The additional RM1 billion was from repayment," he added.
Meanwhile, Agriculture and Agro-based Industries Minister Datuk Seri
Ismail Sabri Yaakob, who was also present at the media conference, said
Tekun Nasional won the award at the Global Sustainable Financial
Conference 2013, which was held on July 4 and 5.
At the two-day conference, Tekun Nasional was given the honour to make a
presentation entitled "SME Financing For Sustainable Development-An
Example from Tekun Nasional, he added.
The conference attended by 80 participants from throughout the world
discussed issues and problems faced by financial institutions in
discharging their duties and responsibilities to provide financing to
target groups.
-- BERNAMA
Saturday, July 13, 2013
Tekun Sasar Beri Dana Pinjaman Sehingga RM600 Juta Tahun Ini
PUTRAJAYA, 12 Julai (Bernama) -- Tabung Ekonomi Kumpulan Usaha Niaga
(Tekun Nasional) menyasarkan untuk memberi dana pinjaman kepada para
usahawan kecil sehingga RM600 juta pada tahun ini berbanding RM508 juta
pada tahun lepas.
Source from (Bernama): http://www.bernama.com/bernama/v7/bm/bu/newsbusiness.php?id=962897
Published: July 13, 2013
Pengarah Urusan dan Ketua Pegawai Eksekutifnya, Datuk Abdul Rahim Hassan berkata, dalam tempoh enam bulan pertama tahun ini, Tekun telah mengeluarkan pinjaman sekitar RM330 juta kepada 25,324 orang usahawan.
"Pada tahun ini, kerajaan memperuntukkan dana RM350 juta dan (ditambah) dana yang diperoleh dari bayaran balik dari pinjaman sebelum ini, akan digunakan semula, yang menjadikan dana yang sedia ada pada tahun ini berjumlah RM600 juta," katanya.
Beliau berkata demikian di sini Jumaat mengenai kejayaan Tekun Nasional menerima Anugerah Inovasi Perkhidmatan Kewangan Terbaik sempena Persidangan Kelestarian Kewangan Global 2013 pada 4 dan 5 Julai di Karlsruhe, Jerman.
Yang turut hadir ialah Menteri Pertanian dan Industri Asas Tani Datuk Seri Ismail Sabri Yaakob.
Abdul Rahim menjangkakan, untuk tempoh enam bulan seterusnya tahun ini, dana sekitar RM250 juta ini akan dipinjamkan kepada 20,000 usahawan.
Menurutnya, Tekun Nasional mempunyai kadar bayaran balik sehingga 85 peratus dan kadar itu adalah yang membanggakan bagi satu institusi kewangan pembangunan seperti agensi itu.
Mengenai perkembangan Tekun Nasional, Abdul Rahim berkata, dari 1998 hingga Jun tahun ini, institusi itu menyalurkan pinjaman berjumlah RM2.7 bilion kepada 262,497 orang usahawan.
"Jumlah dana yang diterima dari kerajaan berjumlah RM1.7 bilion, namun kita mampu menyalurkan pinjaman RM2.7 bilion, bermakna lebihan RM1 bilion adalah yang diperoleh dari dana bayaran balik," katanya.
Pada persidangan berkenaan, Tekun Nasional telah diberi penghormatan membuat pembentangan bertajuk Pembiayaan PKS bagi "Kelestarian Pembangunan - Contoh dari Tekun Nasional."
Persidangan, yang dihadiri 80 peserta dari seluruh dunia itu, telah membincangkan mengenai isu dan masalah yang dihadapi oleh institusi kewangan dalam melaksanakan tugas dan tanggung jawab bagi menyediakan kemudahan pembiayaan kepada golongan sasar.
-- BERNAMA
Source from (Bernama): http://www.bernama.com/bernama/v7/bm/bu/newsbusiness.php?id=962897
Published: July 13, 2013
Pengarah Urusan dan Ketua Pegawai Eksekutifnya, Datuk Abdul Rahim Hassan berkata, dalam tempoh enam bulan pertama tahun ini, Tekun telah mengeluarkan pinjaman sekitar RM330 juta kepada 25,324 orang usahawan.
"Pada tahun ini, kerajaan memperuntukkan dana RM350 juta dan (ditambah) dana yang diperoleh dari bayaran balik dari pinjaman sebelum ini, akan digunakan semula, yang menjadikan dana yang sedia ada pada tahun ini berjumlah RM600 juta," katanya.
Beliau berkata demikian di sini Jumaat mengenai kejayaan Tekun Nasional menerima Anugerah Inovasi Perkhidmatan Kewangan Terbaik sempena Persidangan Kelestarian Kewangan Global 2013 pada 4 dan 5 Julai di Karlsruhe, Jerman.
Yang turut hadir ialah Menteri Pertanian dan Industri Asas Tani Datuk Seri Ismail Sabri Yaakob.
Abdul Rahim menjangkakan, untuk tempoh enam bulan seterusnya tahun ini, dana sekitar RM250 juta ini akan dipinjamkan kepada 20,000 usahawan.
Menurutnya, Tekun Nasional mempunyai kadar bayaran balik sehingga 85 peratus dan kadar itu adalah yang membanggakan bagi satu institusi kewangan pembangunan seperti agensi itu.
Mengenai perkembangan Tekun Nasional, Abdul Rahim berkata, dari 1998 hingga Jun tahun ini, institusi itu menyalurkan pinjaman berjumlah RM2.7 bilion kepada 262,497 orang usahawan.
"Jumlah dana yang diterima dari kerajaan berjumlah RM1.7 bilion, namun kita mampu menyalurkan pinjaman RM2.7 bilion, bermakna lebihan RM1 bilion adalah yang diperoleh dari dana bayaran balik," katanya.
Pada persidangan berkenaan, Tekun Nasional telah diberi penghormatan membuat pembentangan bertajuk Pembiayaan PKS bagi "Kelestarian Pembangunan - Contoh dari Tekun Nasional."
Persidangan, yang dihadiri 80 peserta dari seluruh dunia itu, telah membincangkan mengenai isu dan masalah yang dihadapi oleh institusi kewangan dalam melaksanakan tugas dan tanggung jawab bagi menyediakan kemudahan pembiayaan kepada golongan sasar.
-- BERNAMA
Shadow banking: It's a problem
A “shadow banking” crisis is looming if left unchecked and could potentially derail our financial markets and economy. The reason for such concern is plain to see from the staggering numbers those institutions are now showing. Last year alone, non-banking financial institutions (NBFIs) gave out RM43bil in new personal financing facilities, up from 63.7% previously according to Bank Negara’s Financial Stability and Systems Report 2012. This is more than two times the loans disbursed by banks for personal loans at RM19.4bil for 2012. The central bank notes that such loans extended by the three largest NBFIs grew at a faster rate of 23.1% in 2012 versus 17.1% a year ago. That growth is faster than the 10.4% recorded by the entire banking sector.
Source from (The Star Online): http://www.thestar.com.my/Business/Business-News/2013/07/06/Shadow-banking-crisis.aspx
Published: July 08, 2013
The culprit for such high credit growth is personal financing. According to the central bank, NBFIs supplied 60% of personal loans to the country last year and growth in that segment by the shadow banks grew by 29%. Personal loans by the commercial banks clocked in at 9.1%.
Such lending has pushed household debt to GDP at a frightening 83% of GDP. That ratio is the highest in emerging Asia and was at 70% in 2009. Developed western countries have a higher ratio but are now mired in economic problems.
These numbers have caught the eye of the central bank which has for years looked nervously at how fast the shadow banking industry has grown.
Politics and a lengthy due process for legislation to be passed and control to be given may have delayed any intervention the central bank may have wanted to take, but it is no longer fighting on the sidelines.
It has now acted to oversee the shadow banking industry with the newly enforced Financial Services Act (FSA).
“It’s (household indebtedness) on the increase and not at an alarming level yet but based on the rising trend, it will be,” says Bank Negara Governor Tan Sri Dr Zeti Akhtar Aziz on the rising household debt.
The reason it has decided that the time for action is now was also because of the challenging economic horizon. Zeti says that with growth on a quarterly basis expected to be between 4% and 6%, household debt growth trend at the current pace will not be sustainable.
“We are catching it on time,” she says.
To tackle the debt issue, Bank Negara has been granted new powers under the FSA and has not wasted any time to put such legislative muscle to work.
“With the FSA there is consistency in rules for banks and the non-banks,” Zeti adds.
Trouble brewing
A shadow bank is essentially a term used to describe institutions that take on bank-type functions. They are lenders that are not governed by Bank Negara before this. (see table) but compete with the banks in lending money to the public. But not anymore as the new FSA has allowed the central bank to get the shadow banking industry to comply with its rules on lending.
In China today, a major banking crisis is unfolding and shadow
banks’ overlending is said to be part of the cause. India has also taken
steps to monitor its shadow banking activities after a sharp growth in
such businesses over the recent years.
The size of the global shadow banking system, on a conservative basis, has grown to over US$67 trillion from close to US$26 trillion about ten years ago and accounts for nearly half the size of the worldwide financial system, media reports indicate. But economists say that while these activities provide a valuable alternative to bank funding, it can pose large-scale risks to the economy from past experiences.
In Malaysia, it isn’t clear just how large the shadow banking system is as they are not captured in any formal banking statistics. But some estimates put it at easily several hundred billions the amount of money loaned out. Among the more prominent shadow banks are lenders such as the Government-owned Bank Rakyat Malaysia Bhd (Bank Rakyat) and public-listed Malaysia Building Society Bhd (MBSB).
Here’s a telling fact: both these institutions have been reporting phenomenal growth at a time when mainstream banks have been hit by the central bank’s policies on responsible lending.
Cooperatives are also another player in the shadow banking sector.
Although the shadow banks were supposed to go ahead with implementing responsible lending guidelines, they did so without knowing the exposure borrowers had to loans granted by commercial banks.
Now, the shadow banks, including the cooperatives, will have to comply with new lending rules, which limit the amount of the debt of vulnerable borrowers to a maximum of 60% of their net income.
“The affordability test is now consistent with non-banks and banks and also to other entities that undertake bank-like activities,” says Zeti.
The Angkasa syndrome
The phenomenal rise of shadow banks over the last few years can be attributed to mainly one party or rather, a system of credit – Angkasa or Angkatan Koperasi Kebangsaan Malaysia Bhd.
This is the national umbrella body for cooperatives whose members make up of civil servants by virture of them being the bulk of cooperative members. It was formed in 1971 by Royal Professor Ungku Abdul Aziz, who is co-incidentally the father of Zeti.
While the original motives of creating Angkasa were noble, what has since transpired though is that Angkasa has become a major conduit for ‘wild’ lending to civil servants, and this is where the problem is. (The Angkasa scheme allows for deductions of as much as 60% of a borrower’s total income, net of statutory and other direct deductions from salary.) Angkasa had yet to respond to StarBizWeek’s query as at press time.
Bank Negara notes that 80% of the personal financing by NBFIs are given out to government servants with a monthly household income of less than RM3,000. This means that about RM34.4bil in personal finance loans were dished out to that group of lowly paid civil servants last year if Bank Negara’s RM43bil NBFIs figure is used as a guide.
Angkasa’s 2012 annual report showed that RM10.3bil was made via the automatic salary deduction scheme with the bulk of it going to the civil service. As a comparison the government was projected to have paid out RM52bil as salaries to civil servants last year.
But what are the sources of these funds? Do note that Angkasa is merely a conduit to these loans.
Industry sources say there are a multitude of sources from which these funds come from.
Judging from the low risk element in these loans, as Angkasa enables salary deductions to repay the loans, there had been a race by funders to lend to government employees. Even the mainstream banks have tried to get a slice of this pie.
Analysts note that the earnings of MBSB and Bank Rakyat have risen sharply in recent years primarily due to an increase in personal financing activity.
As a result of vast sums of personal loans being dished out to mainly civil servants, a number of NBFIs have become really profitable, even more than some of the banks in the country.
Bank Rakyat’s profit before tax and zakat of RM2.11bil in 2012 for example is comparable to RHB Bank Bhd which made RM2.2bil. MBSB and Bank Rakyat declined to comment.
It is estimated that over 90% of civil servants are in an “indebt situation” in various ways like credit cards, personal finance and high-purchase debt.
“The easy loan access in recent years has thrown civil servants deeper into debt. Wouldn’t this encourage corruption?” quips an industry observer.
The curbs will ease the rapid expansion of loans growth seen by the NBFIs. Zeti acknowledges that the new lending guidelines will also slow loans given to the household sector by the commercial banks.
“These measures are anticipatory and pre-emptive and are to avoid doom and gloom,” she says.
Bank Negara headquarters
Hope is that early action on controlling household debt and easy personal finance loans will be as successful as measures taken to address credit card debt some years back.
Credit card debt accounted for 5.2% of household debt before the central bank decided to act a couple of years ago. Today, such debt accounts for 4.5% of household debt and credit card debt grew by 1.7% last year from 15.2% in 2010.
Bank Negara is confident that it will nip the problem with its latest intervention. Some, however, believe the shadow banking issue has not reached a boiling point yet.
Anthony Dass, chief economist at AmBank Group notes there is hardly any risk to non-banking lenders in view of the automatic salary deductions via Angkasa from the civil servants salary in contrast to the normal bank loans where the risk of default is higher due to the absence of automatic salary deduction.
“What is of concern to us is the issue of governance, transparency and controls. Lack of these will result in rising cost-to-income ratios. It will weigh on the bottom line and cause distress to the non-bank lenders.
A crack in any one of them (non-bank lenders and credit cooperatives) will likely trigger a contagion effect resulting from panic withdrawal by customers who have placed funds in savings or fixed deposits. Should there be a contagion effect, we fear that it may knock on the doors of the banks given the high household debt to GDP of 83%.”
Source from (The Star Online): http://www.thestar.com.my/Business/Business-News/2013/07/06/Shadow-banking-crisis.aspx
Published: July 08, 2013
The culprit for such high credit growth is personal financing. According to the central bank, NBFIs supplied 60% of personal loans to the country last year and growth in that segment by the shadow banks grew by 29%. Personal loans by the commercial banks clocked in at 9.1%.
Such lending has pushed household debt to GDP at a frightening 83% of GDP. That ratio is the highest in emerging Asia and was at 70% in 2009. Developed western countries have a higher ratio but are now mired in economic problems.
These numbers have caught the eye of the central bank which has for years looked nervously at how fast the shadow banking industry has grown.
Politics and a lengthy due process for legislation to be passed and control to be given may have delayed any intervention the central bank may have wanted to take, but it is no longer fighting on the sidelines.
It has now acted to oversee the shadow banking industry with the newly enforced Financial Services Act (FSA).
Zeti: 'We are catching household debt on time'
The reason it has decided that the time for action is now was also because of the challenging economic horizon. Zeti says that with growth on a quarterly basis expected to be between 4% and 6%, household debt growth trend at the current pace will not be sustainable.
“We are catching it on time,” she says.
To tackle the debt issue, Bank Negara has been granted new powers under the FSA and has not wasted any time to put such legislative muscle to work.
“With the FSA there is consistency in rules for banks and the non-banks,” Zeti adds.
Trouble brewing
A shadow bank is essentially a term used to describe institutions that take on bank-type functions. They are lenders that are not governed by Bank Negara before this. (see table) but compete with the banks in lending money to the public. But not anymore as the new FSA has allowed the central bank to get the shadow banking industry to comply with its rules on lending.
The size of the global shadow banking system, on a conservative basis, has grown to over US$67 trillion from close to US$26 trillion about ten years ago and accounts for nearly half the size of the worldwide financial system, media reports indicate. But economists say that while these activities provide a valuable alternative to bank funding, it can pose large-scale risks to the economy from past experiences.
In Malaysia, it isn’t clear just how large the shadow banking system is as they are not captured in any formal banking statistics. But some estimates put it at easily several hundred billions the amount of money loaned out. Among the more prominent shadow banks are lenders such as the Government-owned Bank Rakyat Malaysia Bhd (Bank Rakyat) and public-listed Malaysia Building Society Bhd (MBSB).
Here’s a telling fact: both these institutions have been reporting phenomenal growth at a time when mainstream banks have been hit by the central bank’s policies on responsible lending.
Cooperatives are also another player in the shadow banking sector.
Although the shadow banks were supposed to go ahead with implementing responsible lending guidelines, they did so without knowing the exposure borrowers had to loans granted by commercial banks.
Now, the shadow banks, including the cooperatives, will have to comply with new lending rules, which limit the amount of the debt of vulnerable borrowers to a maximum of 60% of their net income.
“The affordability test is now consistent with non-banks and banks and also to other entities that undertake bank-like activities,” says Zeti.
The Angkasa syndrome
The phenomenal rise of shadow banks over the last few years can be attributed to mainly one party or rather, a system of credit – Angkasa or Angkatan Koperasi Kebangsaan Malaysia Bhd.
This is the national umbrella body for cooperatives whose members make up of civil servants by virture of them being the bulk of cooperative members. It was formed in 1971 by Royal Professor Ungku Abdul Aziz, who is co-incidentally the father of Zeti.
While the original motives of creating Angkasa were noble, what has since transpired though is that Angkasa has become a major conduit for ‘wild’ lending to civil servants, and this is where the problem is. (The Angkasa scheme allows for deductions of as much as 60% of a borrower’s total income, net of statutory and other direct deductions from salary.) Angkasa had yet to respond to StarBizWeek’s query as at press time.
Bank Negara notes that 80% of the personal financing by NBFIs are given out to government servants with a monthly household income of less than RM3,000. This means that about RM34.4bil in personal finance loans were dished out to that group of lowly paid civil servants last year if Bank Negara’s RM43bil NBFIs figure is used as a guide.
Angkasa’s 2012 annual report showed that RM10.3bil was made via the automatic salary deduction scheme with the bulk of it going to the civil service. As a comparison the government was projected to have paid out RM52bil as salaries to civil servants last year.
But what are the sources of these funds? Do note that Angkasa is merely a conduit to these loans.
Industry sources say there are a multitude of sources from which these funds come from.
Judging from the low risk element in these loans, as Angkasa enables salary deductions to repay the loans, there had been a race by funders to lend to government employees. Even the mainstream banks have tried to get a slice of this pie.
Analysts note that the earnings of MBSB and Bank Rakyat have risen sharply in recent years primarily due to an increase in personal financing activity.
As a result of vast sums of personal loans being dished out to mainly civil servants, a number of NBFIs have become really profitable, even more than some of the banks in the country.
Bank Rakyat’s profit before tax and zakat of RM2.11bil in 2012 for example is comparable to RHB Bank Bhd which made RM2.2bil. MBSB and Bank Rakyat declined to comment.
It is estimated that over 90% of civil servants are in an “indebt situation” in various ways like credit cards, personal finance and high-purchase debt.
“The easy loan access in recent years has thrown civil servants deeper into debt. Wouldn’t this encourage corruption?” quips an industry observer.
The curbs will ease the rapid expansion of loans growth seen by the NBFIs. Zeti acknowledges that the new lending guidelines will also slow loans given to the household sector by the commercial banks.
“These measures are anticipatory and pre-emptive and are to avoid doom and gloom,” she says.
Bank Negara headquarters
Hope is that early action on controlling household debt and easy personal finance loans will be as successful as measures taken to address credit card debt some years back.
Credit card debt accounted for 5.2% of household debt before the central bank decided to act a couple of years ago. Today, such debt accounts for 4.5% of household debt and credit card debt grew by 1.7% last year from 15.2% in 2010.
Bank Negara is confident that it will nip the problem with its latest intervention. Some, however, believe the shadow banking issue has not reached a boiling point yet.
Anthony Dass, chief economist at AmBank Group notes there is hardly any risk to non-banking lenders in view of the automatic salary deductions via Angkasa from the civil servants salary in contrast to the normal bank loans where the risk of default is higher due to the absence of automatic salary deduction.
“What is of concern to us is the issue of governance, transparency and controls. Lack of these will result in rising cost-to-income ratios. It will weigh on the bottom line and cause distress to the non-bank lenders.
A crack in any one of them (non-bank lenders and credit cooperatives) will likely trigger a contagion effect resulting from panic withdrawal by customers who have placed funds in savings or fixed deposits. Should there be a contagion effect, we fear that it may knock on the doors of the banks given the high household debt to GDP of 83%.”
Friday, July 12, 2013
Perolehan koperasi meningkat - Sabah
KOTA KINABALU 11 Julai - Gerakan koperasi di Sabah mencatat prestasi memberangsangkan dengan jumlah perolehannya sehingga 31 Mei lalu meningkat sebanyak 19 peratus iaitu RM279 juta, berbanding hanya RM235.7 juta bagi tempoh sama tahun lalu.
Source from (Utusan Malaysia): http://www.utusan.com.my/utusan/Sabah_&_Sarawak/20130712/wb_01/Perolehan-koperasi-meningkat
Published: July 12, 2013
Timbalan Ketua Menteri, Datuk Seri Yahya Hussin berkata, bagi tempoh sama, jumlah saham dan yuran anggota meningkat sebanyak 22 peratus kepada RM88.8 juta berbanding RM72.8 juta sebelum itu.
"Nilai aset koperasi-koperasi juga meningkat sebanyak 15 peratus kepada RM511.2 juta pada tempoh sama berbanding RM444 juta pada tahun sebelumnya.
"Bilangan koperasi juga bertambah kepada 1,012 buah pada 31 Mei lalu berbanding 902 buah pada 31 Mei tahun lalu, meningkat sebanyak 12.2 peratus," katanya yang merangkap sebagai Pengerusi Majlis Perundingan Koperasi Peringkat Negeri Sabah (MPKN) semasa mempengerusikan mesyuarat majlis itu di sini semalam.
Yang turut hadir Timbalan Setiausaha Kerajaan Negeri, Datuk Maznah Ghani yang juga Pengerusi Koperasi Pekerja-Pekerja Kerajaan Sabah Berhad (Kopeks) dan Pengarah Suruhanjaya Koperasi Malaysia (SKM) Sabah, Umar Sarim Saidin.
Tambah Yahya, peningkatan perolehan itu banyak disumbangkan melalui program Transformasi Kedai Runcit (Tukar) yang mendapat sambutan menggalakkan terutama daripada koperasi berskala kecil di kawasan luar bandar.
Katanya, sebanyak 43 kedai koperasi terlibat dalam Program Tukar dan telah menjana perolehan hampir RM9.1 juta bagi tempoh Januari hingga 31 Mei lalu.
"SKM Sabah juga telah mengemukakan tambahan 22 buah koperasi untuk dilaksanakan Program Tukar bagi tahun ini dengan dana dari SKM," katanya.
Source from (Utusan Malaysia): http://www.utusan.com.my/utusan/Sabah_&_Sarawak/20130712/wb_01/Perolehan-koperasi-meningkat
Published: July 12, 2013
Timbalan Ketua Menteri, Datuk Seri Yahya Hussin berkata, bagi tempoh sama, jumlah saham dan yuran anggota meningkat sebanyak 22 peratus kepada RM88.8 juta berbanding RM72.8 juta sebelum itu.
"Nilai aset koperasi-koperasi juga meningkat sebanyak 15 peratus kepada RM511.2 juta pada tempoh sama berbanding RM444 juta pada tahun sebelumnya.
"Bilangan koperasi juga bertambah kepada 1,012 buah pada 31 Mei lalu berbanding 902 buah pada 31 Mei tahun lalu, meningkat sebanyak 12.2 peratus," katanya yang merangkap sebagai Pengerusi Majlis Perundingan Koperasi Peringkat Negeri Sabah (MPKN) semasa mempengerusikan mesyuarat majlis itu di sini semalam.
Yang turut hadir Timbalan Setiausaha Kerajaan Negeri, Datuk Maznah Ghani yang juga Pengerusi Koperasi Pekerja-Pekerja Kerajaan Sabah Berhad (Kopeks) dan Pengarah Suruhanjaya Koperasi Malaysia (SKM) Sabah, Umar Sarim Saidin.
Tambah Yahya, peningkatan perolehan itu banyak disumbangkan melalui program Transformasi Kedai Runcit (Tukar) yang mendapat sambutan menggalakkan terutama daripada koperasi berskala kecil di kawasan luar bandar.
Katanya, sebanyak 43 kedai koperasi terlibat dalam Program Tukar dan telah menjana perolehan hampir RM9.1 juta bagi tempoh Januari hingga 31 Mei lalu.
"SKM Sabah juga telah mengemukakan tambahan 22 buah koperasi untuk dilaksanakan Program Tukar bagi tahun ini dengan dana dari SKM," katanya.
Koperasi TNB kini bina hotel
SEGAMAT 11 Julai - Koperasi Tenaga Nasional Bhd. (TNB) menceburi bidang hospitaliti dan perhotelan dengan membina Hotel KopTown di sini.
Source from (Utusan Malaysia): http://www.utusan.com.my/utusan/Korporat/20130712/ko_02/Koperasi-TNB-kini-bina-hotel
Published: July 12, 2013
Pengerusi Koperasi TNB, Raja Hang Tuah Raja Iskandar berkata, penglibatan terbaharu itu menambah cabang perniagaan yang diceburi pihaknya selepas perniagaan barangan elektrik, perkhidmatan pengembaraan dan pelancongan, perkhidmatan insurans kenderaan dan perniagaan kedai buku.
"Lembaga dan pengurusan merangka dan menjangkakan perniagaan yang diusahakan pada masa kini akan memberi pulangan yang tinggi kepada Koperasi pada masa depan. Ini adalah sebahagian usaha koperasi untuk meningkatkan daya saing dan memastikan kadar pulangan dividen yang terbaik kepada anggota.
"Selepas 62 tahun diwujudkan dan hingga tahun lalu, jumlah keanggotaan aktif koperasi melebihi 15,000 orang dengan modal pusingan berjumlah RM87.8 juta dan peningkatan ke tahap ini dalam tempoh 62 tahun adalah satu pencapaian yang amat besar," katanya pada majlis perasmian hotel berkenaan, di sini semalam.
Majlis perasmian disempurnakan Pengerusi Jawatankuasa Pendidikan, Penerangan, Pembangunan Usahawan dan Koperasi negeri, Md. Jais Sarday selaku wakil rasmi Menteri Besar, Datuk Seri Mohamed Khaled Nordin.
Yang turut hadir Pegawai Daerah Segamat, A. Rahim Nin dan Pengurus Besar TNB negeri, Datuk Mohd. Aminuddin Mohd. Amin.
Raja Hang Tuah berkata, aset Koperasi TNB hingga kini berjumlah RM150 juta dan kejayaan itu berkait rapat dengan keamanan dan kestabilan yang diwujudkan oleh kerajaan bagi memberi ruang koperasi bergerak maju dalam iklim yang kondusif.
Hotel bertaraf dua bintang yang dilengkapi 81 buah bilik itu turut menyediakan dewan serbaguna dan seminar yang mampu menampung 120 orang dalam satu-satu masa.
Menurutnya, Koperasi TNB turut merancang membina lagi sebuah hotel dengan 60 bilik di Jalan Pantai Baru, berdekatan dengan Ibu Pejabat TNB di Kuala Lumpur yang dijangka dimulakan pada suku pertama tahun depan.
Sementara itu, Md. Jais berkata, Koperasi TNB berada pada landasan yang betul untuk menjayakan pelan perniagaan strategik untuk mencapai visi, misi dan objektif penubuhannya serta mendapatkan pendapatan lebih tinggi.
"Ini merupakan satu kejayaan yang baik ditunjukkan oleh Koperasi TNB dan perasmian Hotel KopTown ini menunjukkan penanda aras yang baik yang secara tidak langsung dapat meningkatkan ekonomi di daerah Segamat.
"Saya berharap sektor pelancongan di Segamat dapat dipertingkatkan lagi kerana bidang perhotelan sangat sinonim dan rapat dengan sektor pelancongan dan seterusnya Hotel KopTown dapat memberi perkhidmatan yang bermutu," katanya.
Source from (Utusan Malaysia): http://www.utusan.com.my/utusan/Korporat/20130712/ko_02/Koperasi-TNB-kini-bina-hotel
Published: July 12, 2013
Pengerusi Koperasi TNB, Raja Hang Tuah Raja Iskandar berkata, penglibatan terbaharu itu menambah cabang perniagaan yang diceburi pihaknya selepas perniagaan barangan elektrik, perkhidmatan pengembaraan dan pelancongan, perkhidmatan insurans kenderaan dan perniagaan kedai buku.
"Lembaga dan pengurusan merangka dan menjangkakan perniagaan yang diusahakan pada masa kini akan memberi pulangan yang tinggi kepada Koperasi pada masa depan. Ini adalah sebahagian usaha koperasi untuk meningkatkan daya saing dan memastikan kadar pulangan dividen yang terbaik kepada anggota.
"Selepas 62 tahun diwujudkan dan hingga tahun lalu, jumlah keanggotaan aktif koperasi melebihi 15,000 orang dengan modal pusingan berjumlah RM87.8 juta dan peningkatan ke tahap ini dalam tempoh 62 tahun adalah satu pencapaian yang amat besar," katanya pada majlis perasmian hotel berkenaan, di sini semalam.
Majlis perasmian disempurnakan Pengerusi Jawatankuasa Pendidikan, Penerangan, Pembangunan Usahawan dan Koperasi negeri, Md. Jais Sarday selaku wakil rasmi Menteri Besar, Datuk Seri Mohamed Khaled Nordin.
Yang turut hadir Pegawai Daerah Segamat, A. Rahim Nin dan Pengurus Besar TNB negeri, Datuk Mohd. Aminuddin Mohd. Amin.
Raja Hang Tuah berkata, aset Koperasi TNB hingga kini berjumlah RM150 juta dan kejayaan itu berkait rapat dengan keamanan dan kestabilan yang diwujudkan oleh kerajaan bagi memberi ruang koperasi bergerak maju dalam iklim yang kondusif.
Hotel bertaraf dua bintang yang dilengkapi 81 buah bilik itu turut menyediakan dewan serbaguna dan seminar yang mampu menampung 120 orang dalam satu-satu masa.
Menurutnya, Koperasi TNB turut merancang membina lagi sebuah hotel dengan 60 bilik di Jalan Pantai Baru, berdekatan dengan Ibu Pejabat TNB di Kuala Lumpur yang dijangka dimulakan pada suku pertama tahun depan.
Sementara itu, Md. Jais berkata, Koperasi TNB berada pada landasan yang betul untuk menjayakan pelan perniagaan strategik untuk mencapai visi, misi dan objektif penubuhannya serta mendapatkan pendapatan lebih tinggi.
"Ini merupakan satu kejayaan yang baik ditunjukkan oleh Koperasi TNB dan perasmian Hotel KopTown ini menunjukkan penanda aras yang baik yang secara tidak langsung dapat meningkatkan ekonomi di daerah Segamat.
"Saya berharap sektor pelancongan di Segamat dapat dipertingkatkan lagi kerana bidang perhotelan sangat sinonim dan rapat dengan sektor pelancongan dan seterusnya Hotel KopTown dapat memberi perkhidmatan yang bermutu," katanya.
Thursday, July 11, 2013
Unisys inks renewal contract with Angkasa
Unisys Corporation's Malaysian subsidiary has signed a renewal contract
with Angkatan Koperasi Kebangsaan Malaysia Bhd (Angkasa) to provide
software services for the latter's core payroll system.
Source from (The Malaysian Insider): http://www.themalaysianinsider.com/business/article/unisys-inks-renewal-contract-with-angkasa/
Published: July 11, 2013
Under the five-year contract, Unisys will provide Angkasa with a range of its ClearPath software, technical consulting and application development consultancy.
"The services allow cooperatives and other credit institutions to streamline payment collections in a systematic and secure manner," Unisys said in a statement today.
With membership comprising more than 50,000 cooperatives, Angkasa, the apex body of the Malaysian cooperative movement, provides training, education and entrepreneurial coaching, and offers administrative support services to its members.
Among other services, Angkasa acts as a payment gateway between the employer of its cooperative members and credit institutions to provide automated payment of monthly subscriptions, loan installments, insurance premiums and other dues via payroll deductions. - Bernama, July 10, 2013.
Source from (The Malaysian Insider): http://www.themalaysianinsider.com/business/article/unisys-inks-renewal-contract-with-angkasa/
Published: July 11, 2013
Under the five-year contract, Unisys will provide Angkasa with a range of its ClearPath software, technical consulting and application development consultancy.
"The services allow cooperatives and other credit institutions to streamline payment collections in a systematic and secure manner," Unisys said in a statement today.
With membership comprising more than 50,000 cooperatives, Angkasa, the apex body of the Malaysian cooperative movement, provides training, education and entrepreneurial coaching, and offers administrative support services to its members.
Among other services, Angkasa acts as a payment gateway between the employer of its cooperative members and credit institutions to provide automated payment of monthly subscriptions, loan installments, insurance premiums and other dues via payroll deductions. - Bernama, July 10, 2013.
Unisys Meterai Kontrak Baharu Semula Dengan Angkasa
KUALA LUMPUR, 10 Julai (Bernama) -- Anak syarikat Unisys Corporation di
Malaysia telah memeterai kontrak memperbaharui semula dengan Angkatan
Koperasi Kebangsaan Malaysia Bhd (Angkasa) untuk menyediakan
perkhidmatan perisian di bawah sistem pembayaran utama Angkasa.
Source from (Bernama): http://www.bernama.com/bernama/v7/bm/bu/newsbusiness.php?id=962333
Published: July 11, 2013
Di bawah kontrak lima tahun itu, Unisys akan menyediakan Angkasa dengan rangkaian perisian ClearPath, perundingan teknikal dan perundingan pembangunan aplikasi.
"Perkhidmatan itu akan membolehkan koperasi dan institusi kredit lain menyelaraskan pengutipan pembayaran dengan cara yang lebih sistematik dan selamat," kata Unisys dalam satu kenyataan Rabu.
Dengan ahli melebihi 50,000 koperasi, Angkasa, badan induk kepada pergerakan koperasi Malaysia, menyediakan latihan, pendidikan dan latihan keusahawanan dan menawarkan perkhidmatan sokongan kepada para anggotanya.
Antara perkhidmatan itu, Angkasa bertindak sebagai laluan pembayaran antara majikan ahli koperasi dan institusi kredit untuk menyediakan pembayaran berautomasi langganan bulanan, ansuran pinjaman dan premium insurans.
-- BERNAMA
Source from (Bernama): http://www.bernama.com/bernama/v7/bm/bu/newsbusiness.php?id=962333
Published: July 11, 2013
Di bawah kontrak lima tahun itu, Unisys akan menyediakan Angkasa dengan rangkaian perisian ClearPath, perundingan teknikal dan perundingan pembangunan aplikasi.
"Perkhidmatan itu akan membolehkan koperasi dan institusi kredit lain menyelaraskan pengutipan pembayaran dengan cara yang lebih sistematik dan selamat," kata Unisys dalam satu kenyataan Rabu.
Dengan ahli melebihi 50,000 koperasi, Angkasa, badan induk kepada pergerakan koperasi Malaysia, menyediakan latihan, pendidikan dan latihan keusahawanan dan menawarkan perkhidmatan sokongan kepada para anggotanya.
Antara perkhidmatan itu, Angkasa bertindak sebagai laluan pembayaran antara majikan ahli koperasi dan institusi kredit untuk menyediakan pembayaran berautomasi langganan bulanan, ansuran pinjaman dan premium insurans.
-- BERNAMA
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