Micro-Credit From Yayasan Bina Upaya Darul Ridzuan (YBUDR) | Ramblings of an e-trader

Sunday, 16 January 2011

Micro-Credit From Yayasan Bina Upaya Darul Ridzuan (YBUDR)

I read in the papers that Yayasan Bina Upaya (Perak), or Capacity Building Foundation, is giving out micro-credit financing to eligible applicants to uplift their livelihoods. I may be wrong but the target group is Bumiputera women in rural areas. Such financing is interest-free and the sums could be anything from RM5,000 to RM10,000.

I think this is an excellent idea to help participants to set up a small business. Although the loan amounts may be small, considering that prices of everything keep increasing, it's still good seed money. After all, it's interest-free.

Last month, I had the opportunity to check out the products of women in the programme and I have to say that they are really creative. With enough support from the government, I am sure they will be able to lead a better live.

1 comments:

rubiah@yayasanbinaupaya.com said...

• SKIM MIKRO KREDIT

 Pembiayaan skim IBU sebagai menambah pendapatan dan menjana isi rumah miskin bottom-half of Perak’s income pyramid.
I = Iktisad (Ekonomi)
B = Bina
U = Upaya
 Sebuah Skim Pembiayaan Mikro Kredit yang meyalurkan Mata Pencarian Lestari (MPL) kepada golongan sasaran iaitu golongan keterbawahan.
◦ Pendapatan asas sesebuah keluarga daripaga golongan keterbawahan
 Program ini menggunakan pendekatan “Blue Ocean Strategy”.
◦ Pinjaman yang diberikan mestilah tiada petindihan daripada agensi lain didalam sesebuah Skim Pembiayaan Mikro Kredit
◦ Dimana pihak YBUDR akan mencari golongan yang langsung tiada orang ambil tahu tentang kehidupan mereka(golongan keterbawahan)
 Menyalurkan bimbingan keusahawaan dan juga sebagai jaringan perniagaan

Golongan “Keterbawahan”
(From Bottom to Top)

• ATAS
• PERTENGAHAN
• KETERBAWAHAN
• (40% kelompok keterbawahan)
• RMK 10
• GOLONGAN SASAR YBUDR

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