Perbandingan antara Tabung Perniagaan Kecil Seliaan Kerajaan dan Pinjaman Biasa dari Perspektif Pegawai Bank

The Malaysian government has established various types of funds to cater the needs of small and medium industry (SMI). These funds are made available to entrepreneur through participating financial institutions such as commercial banks and development financial in institutions. Thc success of commercial banks in their roles, among others depends on certain characteristics of the people that are actually dealing with the funds. This article highlights the perceptions of commercial bank officers on several aspects of both ordinary loans and loans given from the government funds. Opinions sought from these officers include factors relating to the administration of the funds, the profitability of the funds, the contribution of the funds to job promotion, and the tendency of the loan under the funds becoming problematic loans. Divergence of opinions between branch managers and credit oficers, as well as between officers in town/metropolitan areas and rural areas, are investigated. Findings from this study would be useful to various parties, especially the government and financial institutions, in making the financial assistance programme for small and medium scale entreprises a successful endeavour.