SME News Jan 2015

Editorial Team
Advisor
Datuk Mohd Radzif Mohd Yunus
Executive Editor
Mohamad Sabir Mohamad Sabri
Editor
Abdul Latiff Puteh
Contributors
Contents
The Journey
Continues
04
Gading Kencana
Sdn. Bhd.
10
HSE Resources
Sdn. Bhd.
14
Advance Pact
Sdn. Bhd.
18
Industrial Quality
Management
Sdn. Bhd.
22
Amat Sinar
Sdn. Bhd.
26
Zui Xiang F&B

Sdn. Bhd.
30
Bulan Restu
Sdn. Bhd.
34
JMV Ferry Sevices

Sdn. Bhd.
38
Systematic Aviation
Services
Sdn. Bhd.
42
Bunga Tenaga
Sdn. Bhd.
46
Saripah Radziah Sayed Hamid

Khairil Anuar Abdul Hadi
Cheah Chor Sooi
Norsalwa Zakaria
Sarah Hanis Abdullah Sani
Photographer
Wan Badaru Sukry Wan Abdullah
Concept Design & Printing
HNH Media Enterprise (001322305-K)
No. 30-3, Jln USJ 9/5Q
Subang Business Centre
47610 Subang Jaya, Selangor
Telefax: +603 8011 7947
Email: hnhmedia2001@gmail.com
Published by
Small Medium Enterprise Development

Bank Malaysia Berhad (49572-H)
Menara SME Bank, Jalan Sultan Ismail
50250 Kuala Lumpur, Malaysia
T: +603 2615 2020 F: +603 2698 1748
www.smebank.com.my
FOREWORD
SME Bank is celebrating its 10th anniversary in 2015. Our journey
of nurturing and developing the SMEs has been an amazing ride
and we are pleased to share with you a few of these success
stories. This is just the beginning and there will be more that we
will share with you as we strive to deliver the mandate given by
the Government in developing the SMEs.
In retrospect, SME Bank began its operations in October 2005
after going through several phases of corporate development. In
line with the Governments economic agenda, its mission is to
develop SMEs to be the nations engine of growth. In 2013, the
name was changed to Small Medium Enterprise Development
Bank Malaysia Berhad or SME Bank to reflect its developmental
role in financing and nurturing the growth of the SMEs.
SME Bank strives to achieve this goal through better segmentation
of financial and non-financial needs of SMEs by industry, stage of
growth as well as products and market potentials. In line with the
Governments Economic Transformation Programme (ETP), SME
Bank concentrates on five sectors of the National Key Economic
Area (NKEA) which include oil, gas & energy, education, tourism,
wholesale & retail and healthcare.
In financing the SMEs, SME Bank enables the companies to move
up the value chain and thus creating a viral effect to the economy.
In the development area, SME Bank adopts the hand-holding
approach from the entry point to inculcate business acumen
and propel SME businesses to the next level of

developments. This is achieved through high impact
developmental programme and synergized approach
of financial assistance and interventions.
To further strengthen the capacity building of SME
entrepreneurs, SME Bank established CEDAR or The
Centre for Entrepreneur Development and Research
to complement the developmental role of SME Bank
with the vision to become a centre of excellence for
entrepreneur developmental and transformation.
SME Bank operates through its head office in Kuala
Lumpur and 36 enterprise centres located nationwide.
In addition to this, SME Bank has established 26
Entrepreneur Premises Complex (EPC) throughout the
country for entrepreneurs to operate their businesses.
Tenants of EPCs are eligible to receive management
and technical improvement trainings, financial and
advisory services as well as suitable financing.
Thank you and wassalam.
Datuk Mohd Radzif Mohd Yunus
Group Managing Director
SME Bank
The Journey Continues
THE
JOURNEY
CONTINUES
The Prime Minister, YAB Dato Seri Mohd Najib Tun

Haji Abdul Razak during his speech said, Against a
backdrop of an increasingly competitive environment
and uncertain global economic landscape, the small
and medium enterprises (SMEs) have continuously
demonstrated
resilience,
perseverance
and
determination not only to succeed, but to become
an important catalyst for Malaysias economic
development towards attaining the nations aspiration
in becoming a high-income economy in 2020.
This far reaching and significant statement have
played a major role in SME Banks journey of
developing the SMEs. Supported by the mandate
given by the Government, SME Bank has never looked
back in its role of providing and nurturing the SMEs
toward contributing 44% of the nations GDP come the
year 2020.
Our decadelong journey is nothing short of being an
extraordinary affair and we are proud to share with
you the various milestones that we have recorded
along the years and the entrepreneurs who have together with us, grown from strength to strength.
Today, these entrepreneurs have become successful
icons in their own league.
The Beginnings
We entered the corporate Malaysia scene as a development financial institution (DFI) serving the industries
and enterprises in 1979 through the establishment of
Bank Kemajuan Perusahaan Malaysia Berhad. More
specifically, SME Bank came into being in 2005 when
Bank Perusahaan Kecil & Sederhana Malaysia Berhad
was established as a subsidiary of Bank Pembangunan
Our decadelong journey is

nothing short of being an
extraordinary affair and we
are proud to share with you
the various milestones that
we have recorded along the
years and the entrepreneurs
who have together with
us, grown from strength
to strength. Today, these
entrepreneurs have become
successful icons in their
own league.
dan Infrastruktur Malaysia Berhad. SME Bank became a separate entity in 2008 and in 2013, our name
was changed to Small Medium Enterprise Development Bank Malaysia Berhad to clearly reflect our developmental role in nurturing SMEs.
In line with the name change and the desire to create
a stronger corporate presence in the market, the SME
Bank new logo was introduced in July 2013 to reflect
the brands fresh dynamism and global outlook. The
new logo competitively positions the brand to lead
in the delivery of quality products and services that
are specifically designed to assist the growth of our
customers.
The 15 orange circles in the SME Bank logo represent
the 13 states, the Federal Territories of Malaysia
and the one bank that exists solely to nurture the
advancement of SMEs and its ecosystem. The dark
orange circles represent the entrepreneurs who are
the Banks customers and the light orange circles
represent the Banks human and financial resources.
Together, the circles form an arrow signifying the
forward and upward thrust of the entire SME sector.
The Transformation
The Network
In addition to upgrading our IT system for more

effective delivery of our services, SME Bank has
undertaken a bold and truly significant step when we
made a conscious decision to change our conventional
banking platform to a fully Shariah Compliant
financial provider through a project called, Project
Wisdom. 2015 is a historic year for SME Bank as we
fully embrace the concept of Islamic Finance.
Operating in a competitive environment warrants full

commitment and efforts in ensuring the customers
are at ease in dealing with the Bank. Realizing the
importance of reaching out effectively into the market,
SME Bank went into auto drive mode of opening,
relocating and upgrading the Enterprise Centres. As
at to-date, SME Bank has a network of six Regional
Centres, 19 Enterprise Centres, four Business Centres
and seven Urban Transformation Centres (UTC). The
existence of these centres have enabled the Bank to
reach a wider market and made its presence felt.
Our aim of moulding and instilling Islamic values

into our banking operations in accordance with the
objective of Maqasid Al-Shariah have been well
received by the internal staff as well as our customers.
Various measures have been taken, which include
the widening of Islamic branding product offerings,
streamlining human capital capability and embracing
value-based Islamic finance in delivering services
to our customers. Moving forward, more intensified
efforts would be taken to expedite conversion or
migration of inherited conventional assets portfolio
into Islamic Finance assets.
The Engagement
Engaging and getting the trust of entrepreneurs are
paramount in our effort to bring their businesses to
the next level of development. In addition to this,
understanding their needs and offering solutions that
are practical are key factors that contribute to our
success of nurturing and developing the entrepreneurs.
One important activity that is unique to SME Bank
is our Intervention Programme. The aim of this
programme is to ensure selected customers can be
migrated upward and produce SMEs that can sustain
their businesses, thus ensuring a quality portfolio to
the Bank. To facilitate this programme, the Bank
has established a special committee namely the
Intervention & Nurturing Committee (INC) to strategise,
lead, facilitate and guide the implementation.
In 2014, 177 customers migrated upward within the six
indicators, i.e. delinquent to performing; improve sales
& profit; improve risk & score rating; from need to merit;
from BEST to TERAS and local market to export. This

achievement is considered significant and has paved
the way towards creating more resilient SMEs in the
country.
Other engagement activities that are conducted
regularly include Customers Open Day, The Biz Talk
series, the Senior Management interaction programmes
and various participations in trade exhibitions.
The Entrepreneur Premises

Programme (EPP)
SME Bank also provides factory space rental, financing,
entrepreneurship training, advisory and technical
assistance as well as operational improvements under
the Entrepreneur Premises Programme (EPP). This
programme was created for Bumiputera SMEs that are
interested in expanding their businesses and establish
their business presence in the market and eventually
compete with industries bigger players. Over the
years, this programme had successfully produced a
total of 106 graduates and its roles in developing SMEs
were recognized by the Association of Development
Finance in Asia Pacific (ADFIAP) in Kazakhstan
(SME category). In 2013, EPP saw factory complexes
occupancy rate of 91.8% out of 439 units available
throughout Malaysia.
The Nurturing Centre

One major differentiation factor that separates SME
Bank with the other commercial banks that offer SME
loans or financing facilities was the setting up of our
very own Centre for Entrepreneur Development and
Research or better known as CEDAR. Established in
2013, the objective of CEDAR is to nurture and help
grow the SMEs to become successful and eventually
support the national economic agenda.
CEDAR focuses on continuous development of
entrepreneurs through its various forms of business
intervention services, which include researchbased training, business coaching, function-based
facilitation and entrepreneur-mentoring.
With CEDAR, the Bank has further strengthened its

public image and mandated role in offering beyondfinancing services. To date, CEDAR had successfully
trained more than 5,000 entrepreneurs at different
stages of growth, education-levels, business sizes,
urban-rural communities, ethnicity and industries.
The Socially Responsible

Organisation
At SME Bank, we understand the importance of
nurturing talented young minds to become successful
entrepreneurs, thus supporting the Governments
Economic Agenda in developing SMEs as an engine
of growth. Our very own corporate responsibility
initiative, Program Inovasi Usahawan Muda: SME
Bank Y-Biz Challenge was crafted to groom and
nurture future entrepreneurs by creating interest

in entrepreneurship and providing the opportunity
for school students to explore their creativity and
innovativeness.
SME Bank was awarded the Plaque of Merit by the
Association of Development Financing Institutions
in Asia and the Pacific (ADFIAP) during the 2014
ADFIAPs 37th Annual Meeting in Moscow, Russia for
this effort. In addition to this, the schools that had
participated in the Y-Biz Challenge had won various
awards locally and internationally.
For business. For growth. For life.
AWARDS AND ACHIEVEMENTS

Plaque of Merit
Young Entrepreneur Innovation Programme
(Y-Biz Challenge) 2014
Association of Development Financing
Institutions in Asia and The Pacific
Most Preferred Brand in Banking

The BrandLaureate SMEs
BestBrand Awards 2012
Website 5-Star Rating

Malaysia Government Portals and Websites Assessment (MGPWA)
2011
2012
2013
Sahabat Negara SME Recognition Award

SMI Association of Malaysia
2011
2012
2013
2014
10
Your Success Our Story
Gading Kencana Sdn. Bhd.
Gading
Kencana
Sdn. Bhd.
(270511-H)
Gading Kencana Sdn. Bhd. (GKSB) is a renewable

energy services company founded in 1998 by electronics
engineering graduate, Dato Ir. Muhamad Guntor
Mansor Tobeng and Datin Hasnah Awang. GKSB
started out small, trading in solar garden lights and
solar street lighting. In the early days of the company,
they sold in small cash and carry quantities, marketed
mainly through newspaper advertisement. GKSB
began to reach bigger clients when they participated
in exhibitions organised by MAHA, MARA and the
Ministry of Rural and Regional Development.
GKSB found the solar energy sector to be a promising

field in Malaysia, in fact they believe that the nation
can be a hub for solar energy production in Asia.
GKSB has viable infrastructure in place to achieve
this, particularly a holistic value chain where every
component that makes up a solar energy product can
be found manufactured locally. The Governments
renewable energy initiatives provide further impetus
for the players in the industry to shine.
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12
Another major contributing factor that allowed Gading

Kencana Sdn. Bhd. to develop into a major player in
the industry was the support of SME Bank. SME Bank
was the first financial institution to give them real
assistance. Through the Banks Tabung Usahawan
Siswazah, GKSB received an injection of RM100,000
the extra working capital allowed them to increase
their distribution channels, and as a direct result of
their bigger operating capacity, they were able to close
a sale of RM3 million.
GKSB took advantage of SME Banks many professional
courses which helped them to manage their finance
and accounts better. As business expanded, SME Bank
again came in, this time providing a RM500,000 loan.
The increased working capital raised their turnover
from RM3 million to RM10 million.
Today, GKSB is a major player in Malaysias solar

energy market. GKSB have successfully developed and
managed an 8-megawatt solar farm in Malacca. Feeling
the responsibility to share their success with the less
fortunate, Gading Kencana Sdn. Bhd. collaborated with
Northern Corridor Implementation Authority (NCIA)
for Suriaku; a project to help the nations lower income
group in northern Peninsular Malaysia generate extra
income. They have also been breaking into the global
market, with presence in Dubai, UAE, Qatar, Yemen,
Germany, Algeria, India and the Philippines.
Recognising that a well-trained and committed
workforce is essential, the company sends their
engineers for training in Germany, India, Korea,
Thailand and Australia. Success-based reward policies
engender loyalty and diligence. Gading Kencana Sdn.
Bhd. is the only energy service company in the nation
to be awarded ISO 9000 certification.
Recognition of success is evident from GKSB many
awards, the most recent being the prestigious Malaysian
SME Enterprise 50 award and the 2013 Frost & Sullivan
Entrepreneurial Company of the Year award. With
favourable growth conditions, and with the support
of institutions such as SME Bank, Gading Kencana
Sdn. Bhd. looks set to be a rising star in the regions
renewable energy sector.
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14
HSE Resources Sdn. Bhd.
HSE Resources
Sdn. Bhd.
(564407-P)
A reliable partner is HSE Resources Sdn. Bhd.s (HRSB)

trademark in the industry. Established in 2001, the
company started in scaffolding training and gradually
ventured into the oil, gas and petrochemical business.
Today, with 300 employees, HRSB has expanded into
various activities. The ability to effectively diverse its
business interests have contributed to HRSBs success.
This is evident from the impressive list of subsidiaries
that HRSB has established in diversifying its business.
To date, HRSB has five subsidiary companies providing
various types of services and they are:
HRSB Plant Services Sdn. Bhd.

HRSB Hydropower Sdn. Bhd.
HRSB Training Sdn. Bhd.
HRSB Precision Sdn. Bhd.
HRSB Power & Control Sdn. Bhd.
As part of its commitment to deliver superior service,

HRSB has since 2012 developing its facilities,
equipment and machineries with the full support
from SME Bank. HRSB believed that with proper,
structured and latest equipment & machineries, it will
bring HRSB to a higher level of safety and quality
service performance to the clients.
SME Bank first established its business relationship
with HRSB in 2007. The Bank provided RM900,000
financing for HRSB to purchase a piece of land and
construct their office building. Currently, HRSB has
secured a financing of RM28.5 million from SME Bank
with the purpose of expanding its business.
15
16
Helmed by the Managing Director, Tuan Haji Mohd

Faizal Mohd Hassim, HRSB fosters a business culture
that encapsulates individuality and unconventional
thinking. Promoting co-operation and collaboration
amongst the employees are key components that
contribute to higher productivity and efficiency at
HRSB. HRSB practises the concept of Jihad Business
where the emphasis on structured business plans take
the lead in everything that they do. The ultimate aim
is the creation of a better Ummah.
Under the capable hands of Tuan Haji Mohd Faizal
and his dedicated team members, HRSB is poised to
achieve greater height of success in the future.
17
Sdn. Bhd.
18
Advance Pact Sdn. Bhd.
The field of biomedical engineering is not one for just

any enterprising go getter. The industry operates
within a highly demanding environment where
measurements must be exact and precise and deliveries
of services flawless, as the health of patients are at
stake. This makes the success of Advance Pact Sdn.
Bhd. all the more impressive, for few will have the
winning amalgamation of technical ability, courage,
perseverance, and finally the all important support
from associates and partners to actually thrive.
The company is spearheaded by its Managing Director,
Shamsulbahrin Ludin, an engineer trained in the UK
who has served in the UK, Pakistan, Japan, and the
UAE where he was the CEO of a specialist hospital.
It was during his stint in UAE that he saw the
opportunities and potential of setting up a company to
serve a very specialised set of companies in healthcare.
Advance Pact, established in 1997, has grown into
a total healthcare solutions provider to the support
industries in healthcare, namely medical planning,
Advance
Pact
Sdn. Bhd.
(412168-V)
medical equipment planning, and even hospital

information technology planning which can be used
in the development of specialist hospitals. In addition,
the company is also involved in healthcare facilities
management services and as well as software
development in biomedical engineering.
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20
Advance Pact got its first major breakthrough in 2004

when the company won a major contract to provide
comprehensive biomedical engineering maintenance
services to the government hospitals in Negeri
Sembilan, Malacca and Johor. By 2013, the company
had built up a staff of 200 mainly in the technical
department providing services to 22 government
hospitals throughout the southern region of Malaysia.
SME Bank played the role of the agency that

supported their financial requirements; in the words
of Shamsulbahrin Ludin, the Bank was more akin
to a partner. Funding based on Islamic principles
afforded the company working capital that was raised
at more competitive rates compared to commercial
banks. Collateral requirements were easily met, and
the company was able to strengthen their financial
management.
The momentum the company generated resulted in
a RM600 million sub-contract concession in 2012 for
the provision of comprehensive healthcare facility
management services for the new Islamic International
University Malaysias Teaching Hospital in Kuantan,
for 21 1/2 years commencing in 2016. The company
plans to expand to markets in Asia Pacific, East Asia
and the Middle East in the near future and are already
making headway in the Middle East where they have
set up a representative office in Jeddah.
21
22
Industrial Quality Management Sdn. Bhd.
Industrial Quality
Management
Sdn. Bhd.
(234436-K)
Industrial Quality Management Sdn. Bhd. (IQM) is the brainchild of Encik

Mohd Fitri Md Aris, who has a background in marine engineering, but
made up his mind to venture into the world of business on the advice of
confidantes. Coming off his stint as an engineer, he found himself in the
automobile components industry and found that there was good potential
for Bumiputera companies to set up and prosper in the industry. He took
the opportunity to start investing in the business, and thus IQM was born
in February 1992.
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24
The company first set up in Shah Alam in 1992 to

manufacture plastic and metal car components. Over a
period of 20 years, the company grew and now has the
capacity to design, manufacture and assemble quality
plastic and metal components.
From its headquarters in Shah Alam, IQM has added
three manufacturing branches in Gurun, Kedah (1996),
Tanjung Malim Perak (2007), and its latest plant is
in Bukit Beruntung which specialises in ED Coating
services. The manufacturing plants are equipped with
high-tech plastic injection moulding machineries
ranging from 80 to 450 tonnes as well as metal
stamping machineries ranging from 25 to 500 tonnes,
which collectively functions to design, manufacture
and assemble automotive components.
In the companys early days, Encik Mohd Fitri faced

numerous challenges support was lacking and he
had to put in long hours to get everything done in
proper fashion. He also had to get by on personal
funds as the commercial banks were asking for three
years of financial statements which as a newly-formed
company, he was unable to provide. It was only when
he found SME Bank that things became easier for his
company. The favourable terms and conditions SME
Bank was able to offer to IQM made it possible for the
company to make its first major move the purchase
of its first factory in 1993.
The injection of capital also allowed the company to

procure machinery and added working capital, which
greatly helped the company. This first loan was paid
off within a few years, and in 2000, SME Bank gave
them an even bigger loan (which they also easily paid
back by 2007). In addition to the financial support,
SME Bank was described as easy to work with and
IQM held frequent consultations with the Bank to
plan for their finances.
IQM Sdn. Bhd. has certainly come a long way.
From an annual sales figure of RM500,000 in 1992,
the company reported sales of RM100 million for
2012/2013. It is frequently announced as a winner
in numerous industry awards, with the latest being
the Winner in Best Delivery Performance from Proton
in 2010, Overall Improved Vendor Award by Perodua
and Winner in Best Deliver Performance Award
by Proton in 2009. The company aims to further
innovate in design, machinery, technology, materials
and techniques to further establish themselves in
the industry and become the best plastic & metal
component manufacturer in the region.
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26
Amat Sinar Sdn. Bhd.
Amat
Sinar
Sdn. Bhd.
(208891-V)
This success story came from a light-bulb moment

that has since ignited into a shining example of
entrepreneurial success. The company founder, Dato
Dr. Yuhyi Azizan is a banker who one day decided to
venture into the world of business. One of his early
enterprises was an eatery in Bangsar serving local
favourites such as roti canai and teh tarik.
As destiny would have it, the headquarters of Tenaga
Nasional Berhad (TNB) was literally a stones throw
distance away, and the eatery was soon to play regular
meal time host to TNB staff. As rapport grew between
the friendly owner and his patrons, he soon found
out about the TNB Bumiputera Vendor Development
Programme. In true entrepreneur spirit, he was not to
let the opportunity fade away, and was soon on board
with TNB as a vendor.
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28
And thus Amat Sinar Sdn. Bhd. was established in 1990

as a vendor to TNB. Starting as a trading company,
they supplied miscellaneous products to TNB, such as
furniture and stationeries. Their product range began
to consolidate when they started supplying street
lighting. Ambition and dedication saw Dato Dr. Yuhyi
studying and obtaining a Masters Degree in Lighting
this was the kind of drive that led the company
towards a technological direction that eventually
got them recruited as a vendor to the Governments
public utilities and public works under the Vendor
Development Programme (Ministry of Finance
Department) for manufacturing and supply of street
lanterns. Amat Sinar was appointed to be the Panel
Supplier for street lighting and all external lighting
products.
Determined to produce its own products, the company

set up its own factory in Rawang, Selangor to
manufacture lighting products. Constant upgrading
and a commitment to maintain the quality of their
products brought success the company today supplies
70% of the local market demand for the government
sector for street lights.
Enjoying a steady growth path since its inception, the
company needed capital injection in 2005 to keep up
with increasingly rapid growth. After consulting a
few financial institutions, the decision to choose SME
Bank was an easy one for the company. The company
today manufactures all sorts of lighting products in
three factories, and is proud of its SIRIM and TNB
certification for its products. The company even made
international headlines when it received the Star For
Quality Award at the International Star Award For
Quality 2010 event in Geneva, Switzerland.
The Company continues to acquire a surge in the

growth of their business when developing lighting
products through its fast factory in Rawang, Selangor.
As a result, Amat Sinar Sdn. Bhd. recorded stable
growth after receiving a capital injection from SME
Bank financing to support the companys expansion
plans. Amat Sinar Sdn. Bhd. continues to pursue
success when the company was announced as one of
the Enterprise 50 award recipients organised by SME
Corporation on 14 November 2014.
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30
Zui Xiang F&B Sdn. Bhd.
Zui
Xiang
F&B
Sdn. Bhd.
(1021049-P)
The story of Chong Shih Wei is a classic story of a regular guy in the street who creates his own success through
hard work and dedication. It all started in 2007 when his close friend, Tan Po Wi presented to him a proposal
to start a business together. Both are graduates from Universiti Teknologi Malaysia (UTM), with Shih Wei
majoring in Marketing Management. The proposal was to start a franchise outlet of the Pappa Roti bakery chain.
Pappa Roti was an up-and-coming brand with more than 400 cafs and kiosks across the globe, and they decided
that the risk of going into business was worth the potential payback.
As with all success stories worth telling, challenges and setbacks were aplenty during the early days even
before the venture got off the ground, the budding partnership between the two friends had already been broken.
Po Wi was forced to withdraw from active participation as a result of strong objection from his family. Shih
Wei, having just entered the workforce (initially at a stock broking firm and later in a shipping company) after
his graduation, faced the same situation as his family was of the opinion that he was too young to venture into
business and pressed him to drop his plans.
31
32
Shih Wei was determined to press on despite the

negativity from all sides. He had an ally in Po Wi,
who continued to give him moral support, and was
later to play a critical role in the story. The first major
setback came within 12 months, when faced with poor
sales, he had to close down the business which was
fast draining his finances.
He pinpointed the problem to be poor location, and
tried to quickly shift to a more strategic location. As
he struggled all alone, with no support from the family
and funds running low, the situation looked bleak. Po
Wi turned to be his saviour when he offered him a
loan to help him through his difficult period. With the
injection of cash and renewed vigour, he was able to
set up his new place in a newly opened shopping mall.
After coming out from that situation, his business

began to thrive. His go-getter attitude resulted in
rapid expansion, he now has three branches one in
Johor Bahru and two in Batu Pahat. He went to SME
Bank looking to raise funding for his expansion plans,
and found a team of friendly executives who made it
easy for him to approach and seek assistance.
He even got enrolled into a business course that gave
him valuable education on accounting, marketing and
human resources practices. Looking back, Shih Wei
acknowledged the presence of valuable partners as
the major contributors to his success, and remains
confident going forward of even greater success, with
plans for more branches in the region.
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Bulan Restu Sdn. Bhd.
Bulan Restu Sdn. Bhd. is the company behind

Firstcoach, the luxury coach service that plies the
channel between Klang Valley and Singapore. Bulan
Restu Sdn. Bhd. is a classic example of a successful
company that was built from the ground up. The
company actually first started in the late 1950s and
it is being managed by the third generation of the Yee
family.
In the year 2000, Jason Yee joined the establishment
and brought with him an interest and passion to
further expand the business, traits he had learned and
inherited from his father. Coming in with new vigour
and perspective, he wanted to do something different,
and decided to build up a luxury coach service. The
decision to do this came from his commitment towards
providing the best possible experience as well as
safety to his passengers.
Bulan
Restu
Sdn. Bhd.
(176885-M)
Thus in November 2004, Firstcoach was first introduced as a brand with a new fleet of luxury executive express
coaches servicing the route between Malaysia and Singapore, making six to eight trips on a daily basis between
the two countries. In 2007, the company had the opportunity to expand and needed to quickly add 15 new buses
to its fleet. The company was grateful that SME Bank was able provide the needed financing in a very short time,
at a competitive rate, and found the whole process very smooth and straightforward.
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Today, the company is positioning itself

as a service provider that gives priority to
passengers comfort and safety. They spend
more money to build safer and stronger buses
that are equipped with GPS monitoring, seat
belts, and even speed limiters to ensure a
safe journey.
Comfort is given top priority, not only during the

trip, but even when buying tickets or when waiting
to board, with online ticketing as well as exclusive
waiting lounges. Each seat in its luxury coaches is
equipped with 10-inch touch screen terminals that
feature Video-on-Demand. They are even planning
to start a loyalty programme to reward their large
number of repeat customers. Managed by a group
of professionals with vast experiences of more than
30 years in the bus service and related industry, the
company is confident of continued success in its quest
to become a leading brand in the market.
37
38
JMV Ferry Sevices Sdn. Bhd.
JMV Ferry
Services
Sdn. Bhd. (603234-V)
The legendary island of Langkawi is well known

not just in Malaysia but internationally as well.
And naturally, ensuring easy, efficient and safe
transportation will influence the development of
Langkawi. This is where, JMV Ferry Services Sdn.
Bhd. (JMV) plays its part and directly contributing to
the economic growth of the island.
JMV was established in 2003 and its main activity is
providing ferry services from Langkawi-Kuala Kedah,
Langkawi-Kuala Perlis, LangkawiSatun (Thailand)
and vice versa. These routes are serviced by eight units
of ferry that have a combined capacity of ferrying
1,811 passengers. After being in the business for more
than 11 years, JMV is now one of the more established
passenger ferry operators in Langkawi.
39
40
As part of its business expansion initiative, JMV

also ventured into the hotel industry. In addition
to the existing hotel which it is managing now,
JMV is currently constructing an adjoining block to
increase its room capacity. The new block is expected
to be completed in July 2015. It will have 85 rooms,
a swimming pool, a function hall, gymnasium,
restaurant, spa and recreation center.
SME Bank has been the main financier since 2003. Due
to its impressive performance, JMV was nominated to
be in the TERAS category in 2014.
41
42
Systematic Aviation Services Sdn. Bhd.
Systematic Aviation
Services Sdn. Bhd.
(235827-W)
A leading Bumiputera company in General Aviation,

Systematic Aviation Services Sdn. Bhd. (SAS) was
incorporated on 11 March 1992 and owned by Encik
Ismail Ashaari who has 20 years experience in
aircraft industry. SAS has strong management team
and qualified manpower to ensure smooth running
of the business. SAS operates from the hangar at
Sultan Abdul Aziz Shah Airport Subang. In 1996, the
company won the tender for maintenance of DCA
aircrafts which up till then, were serviced by overseas
companies.
The main activities of SAS include providing
aircraft parts and equipment, aircraft and helicopter
maintenance, aerial spraying, aircraft and helicopter
charter, refurbishment and aircraft assembly and
training. SAS is also the Independent Representative
for Bell aircraft in Malaysia since November 2011 and
offer packages for helicopter charter services. In the
effort to extend its market reach, SAS has set the
target to offer among others, helicopter pilot training
programmes, Charter packages to places such Pulau
Tioman, Pulau Pangkor, Pulau Pinang and others.
43
44
The business relationship between SAS and SME

Bank started with the financing for SAS to purchase
one new Bell 429 helicopter from Bell Helicopter Asia
(Pte.) Ltd.
SASs revenue is derived from contracts awarded by
Malaysia Maritime Enforcement Agency, Department
of Civil Aviation, Royal Malaysia Police Air Operation
Force, Royal Malaysia Air Force and from the open
market. The continuous extension of contracts for
aircraft maintenance is a testimony of SAS capabilities
and impressive achievements.
SAS is categorized as a TERAS company, and its

affiliation with Bell Helicopter Asia (Pte.) Ltd. and
being newly registered as a vendor to Petronas speak
volume of its credentials. The future is certainly bright
for SAS and SME Bank is proud to be an effective
business partner to SAS.
45
46
Bunga Tenaga Sdn. Bhd.
Bunga
Tenaga
Sdn. Bhd.
(246063-H)
Bintulu in Sarawak is fast

establishing itself as the new
centre of economic growth in East
Malaysia. And, the port of Bintulu
plays a crucial role in facilitating
the movement of goods in addition
to road and air transportations.
Among the players who are contributing

to the economic growth in the area is
Bunga Tenaga Sdn. Bhd. Established in
August 1992, Bunga Tenaga Sdn. Bhd.
offers chartered vessel services to Bintulu
Port Authority since 1996.
Operating with six units of vessels, the
revenue generated from their services
has been healthy and consistent thus
explaining why Bintulu Port Authority
has shown full support toward the
services provided by Bunga Tenaga Sdn.
Bhd.
47
48
Bunga Tenaga Sdn. Bhd. is headed by Tuan Haji Adenan

Haji Daud, Managing Director and supported by a team
of dedicated and committed employees. He practices
a simple and effective philosophy in managing the
company. He is a firm believer in working as a team
and creating a pleasant environment for maximum
productivity.
SME Bank involvement with Bunga Tenaga Sdn. Bhd.
began in 2006 when the Bank provided financing for
the purchased of one unit of the vessel.

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Editorial Team

Zui Xiang F&B

JMV Ferry Sevices

Saripah Radziah Sayed Hamid

Small Medium Enterprise Development

and propel SME businesses to the next level of

The Journey Continues

The Prime Minister, YAB Dato Seri Mohd Najib Tun

The Journey Continues

Our decadelong journey is

The Journey Continues

In addition to upgrading our IT system for more

Operating in a competitive environment warrants full

Our aim of moulding and instilling Islamic values

The Journey Continues

from BEST to TERAS and local market to export. This

The Entrepreneur Premises

The Nurturing Centre

The Journey Continues

With CEDAR, the Bank has further strengthened its

The Socially Responsible

nurture future entrepreneurs by creating interest

For business. For growth. For life.

The Journey Continues

AWARDS AND ACHIEVEMENTS

Most Preferred Brand in Banking

Website 5-Star Rating

Sahabat Negara SME Recognition Award

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Gading Kencana Sdn. Bhd. (GKSB) is a renewable

GKSB found the solar energy sector to be a promising

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Gading Kencana Sdn. Bhd.

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Gading Kencana Sdn. Bhd.

Another major contributing factor that allowed Gading

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Gading Kencana Sdn. Bhd.

Today, GKSB is a major player in Malaysias solar

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HSE Resources Sdn. Bhd.

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HSE Resources Sdn. Bhd.

A reliable partner is HSE Resources Sdn. Bhd.s (HRSB)

HRSB Plant Services Sdn. Bhd.

As part of its commitment to deliver superior service,

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HSE Resources Sdn. Bhd.

Helmed by the Managing Director, Tuan Haji Mohd

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HSE Resources Sdn. Bhd.

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Advance Pact Sdn. Bhd.

The field of biomedical engineering is not one for just

medical equipment planning, and even hospital

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