Agro bank

Consumers bank
Loan / Financing      AgroCash (Wawasan Tani) AgroCash-i (Bai' Al-Inah) INSANI Educational Loan Hartani-i Ar-Rahnu

Other Services  e-Debit  IBFT

Commercial bank
Entrepreneur Loans Fund Agriculture (DPUP) Specific term loan facility for Small Medium Enterprise (SME) involved in Agriculture based activities which includes production activity, processing, marketing and biotechnology

Commercial Fund
1)Contract Financing Revolving credit facility provided on an going basis to finance the agriculture-based contracts works.

2)Niagatani Kemudahan berterusan ala overdraf yang menyediakan modal pusingan bagi semua kegiatan berkaitan dengan pertanian.

3)Pemfaktoran
Merupakan kemudahan untuk memfaktor/ mendiskaun bil atau inbois yang boleh diterima oleh Agrobank ke atas bayaran yang disahkan akan diterima.

Micro Financing

1) Modal Usahawan 1 Malaysia (MUS1M/MUS1M-i)

To provide credit facilities to all micro entrepreneurs involved in economic activities related to agricultural and agro-based industry that cover all levels activities in the production, processing, services, marketing and consumerism needs.

2 )Modal Usahawan 1 Malaysia Dana Mikro Enterprise (Bank Negara Malaysia) (MUS1M MEF) To provide credit facilities to all micro entrepreneurs involved in economic activities related to agricultural and agro-based industry that cover all activities in the production, processing, services, marketing and consumerism needs under the BNMs fund.

Credit Guarantee Scheme

1) Credit Enhancer Scheme (Enhancer) Objectives

y

To assist entrepreneurs who have viable projects but lack the collateral to obtain the required loans/financing amount.

2) Enhancer Islamic Scheme (Enhancer-i)

Objectives
y

To assist entrepreneurs who have viable projects but lack the collateral to obtain the required loans/financing amount.

Corporate banking

Special Government Fund

1)Entrepreneur Loans Fund Agriculture (DPUP)

Specific term loan facility for Small Medium Enterprise (SME) involved in Agriculture based activities which includes production activity, processing, marketing and biotechnology

2) Tabung Untuk Makanan (3F - Fund For Food) 3F is a term loan facility which is provided as working capital for the investment in food production, processing, warehousing & cold storage room facilities and marketing

CONTRACT FARMING FINANCING PACKAGE UNDER FUND FOR FOOD (3F)  Islamic banking financing facility using existing Fund For Food (3F) Financing facility will be granted only to registered contract farming farmers who have signed the Forwarding Agreement with FAMA. y  Maximum limit of financing is up to RM50,000 (Ringgit Malaysia: Fifty Thousand only) on any HIP, MOA agriculture project.  The minimum financing amount is RM10,000 (Ringgit Malaysia: Ten Thousand Only)  The terms and conditions for this financing package are as follows:  Cross guarantee between FAMA contract farming participants or  Guarantees from immediate family members     Financing tenure of no more than 60 months Deferment period of no more than 6 months Profit rate is at 3.75% per annum based on monthly rest Repayment can be made on a monthly basis or according to flexible repayment plan (Flexi)  Collateral: The minimum conditions are as stated in Para E  Special Conditions: Subject to Agrobank general loan policy and Fund for Food (3F) policy.  Others

3)Skim Tanaman Semula Kelapa Sawit (TASKS) Open to small scale farmers/holders to promote oil palm replanting.

4)skim Belia Tani-i / Skim Belia Niaga (SBT/SBN) Open to youths carried out activities in agriculture and agro-based industry

Commercial Fund
1) Project Loan To provide financing for primary agriculture activities such as fisheries, forestry and horticulture, production, processing and marketing for production activities. 2)Pinjaman Modal Kerja Kontrak Tani To provide revolving credit facility to finance contract works

3)Pinjaman Modal Kerja Niaga Tani To provide a continuous revolving facility for contract works

4)Special Advance For Fixed Deposit A Special Advanced for Fixed Deposits is aimed at providing financial advance to customers who hold fixed deposit accounts to finance agriculture-related projects. 5)Pemfaktoran (Debt Factoring) To provide a short-term credit facility by buying the temporary invoice to facilitate the fulfillment of contracts

Credit Guarantee Scheme

1)Working Capital Guarantee Scheme (WCGS) Objective To meet business working capital requirement for company viable which possess shareholders equity under RM20.0 million, to continue business under the current challenging economy situation.

2) Industry Restructuring Financial Guarantee Scheme (IRFGS) IRFGS is Guarantee facility provided by Malaysian Government, administered by SJPP for the purpose of financing investment to meet IRFGS's objective.

3) Credit Enhancer Scheme (Enhancer) Objectives To assist entrepreneurs who have viable projects but lack the collateral to obtain the required loans/financing amount. 4) Enhancer Islamic Scheme (Enhancer-i) Objectives To assist entrepreneurs who have viable projects but lack the collateral to obtain the required loans/financing amount

5) SME Assistance Guarantee Scheme (SAGS) SAGS are a Guarantee facility provided by CGC for working capital financing, project financing and capital expenditure. Shall NOT be used to refinance existing credit facilities. Objective  The objective of the Scheme is to ensure that viable SMEs adversely impacted by the current economic slowdown continue to have access to adequate financing.  With the guarantee cover, it is envisaged that access to financing to viable SMEs will be enhanced and at a lower cost.

Deposits and services

Conventional Savings / Deposit

AgroSavings      AgroMuda AgroRemaja AgroTani AgroEksekutif Agro2020

 Fixed Deposit / Investment 1) AgroFD (Conventional Fixed Deposit Certificate) It is a term certificate with open end value. Any interest gained may be added to the principal

2) Wargamas Deposit Customer's Eligibility Open to Malaysian citizens and non-citizens residing in Malaysia and adhere to the following requirements:      Aged 50 and above Mentally sound Possess valid identity cards Not a bankrupt Savings account holder

 Giro
1) AgroPerdana The AgroPerdana facility covers Payment Services, Deposit, Withdrawals, Money Orders and Transfers and use of Automated Teller Machine (ATM)

Islamic

Savings / Deposit(agro islamic savings) 1)AgroMuda-i It is based on the principle of Syariah Al-Mudharabah

2)AgroTani-i AgroTani-i is based on the principle of Syariah Al-Mudharabah

Fixed Deposit / Investment

1)Agro Investment-i Based on the Al-Mudharabah investment concept

Giro
1)AgroPerdana-i Agro Perdana-I is based on the principle of Syariah Al-Mudharabah involving Payment Services, Deposit, Withdrawals, Money Transfer and Money Orders and use of Automated Teller Machines

Other service
1)Insurance       

Savings Account Protection Scheme Al-Mudharabah Savings Protection Scheme Credit Protection Insurance Scheme (Conventional Loan) Takaful Credit Protection Scheme (Islamic & Conventional Loan) AgroKasih-i (Customer Accident Protection Scheme) Takaful Kasih (Takaful Customer Protection Scheme) Senior AgroCare (Senior AgroCare Personal Accident Scheme)

2)Interbank GIRO (IBG) What is Agrobank Interbank GIRO service? y A faster and easier way to transfer your money inter Banks through secure and reliable online system at all Agrobank branch (Counter Services).

Who can use the service? y All IBGs participating Banks customers and corporations can enjoy this service.

Why use Agrobank Interbank GIRO services?  Convenient, timely and less documentation  Multiple channels/options  Available for individual and corporate customer

3)letter Of Will (ARB) Sale Service We provide sale service for Letter of Will managed by Amanah Raya Berhad (ARB) Objectives     Assuring the future of your loved ones in their time of need. Ensuring proper distribution of your assets upon your demise Ensuring responsible trustees are named to look after your beneficiaries. Appointing ARB as the Will administrator to execute the terms in your Will.

     

Collection Agent For Utility Bills Collection Agent For Local Authorities Collection Agent For Zakat (Tithe) Payments Remittance-Western Union SSPN PEYATIM