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Overview of the SME Sector in Thailand
Number of Fixed Assets Number of Fixed Assets Employees excl. land Employees excl. land (THB mm) (THB mm)
Manufacturing 50 or less 50 or less 51-200 > 50 to 200
Service 50 or less 50 or less 51-200 > 50 to 200
Wholesale 25 or less 50 or less 26-50 > 50 to 100
Retail 15 or less 30 or less 16-30 > 30 to 60
Small Medium
Production Value 87.7% of GDP (Not included Agriculture)
Export Value 28.82% Employment 80.4%
98.5% of all enterprises are SMEs
SME Classification: by employment and fixed assets
Definition
Ministry of Finance
SMALL AND MEDIUM ENTERPRISE
DEVELOPMENT BANK OF THAILAND
Ministry of Industry
Vision and Mission
Vision
“A government financial institution for development that assist and support Thai SMEs”
Mission
- Support the government policies to assist and promote Thai SMEs. - Provide financial services and others response to Thai SMEs’ needs. - Promote and develop Thai SMEs with competition potential in global stage. - Develop IT technology system with Organization Management and Good Governance
Policy Loan General Loan
Long Term Credit (Term Loan)
Short Term Credit (P/N)
Factoring
Leasing and Hire Purchase
Trade Finance
Economic Crisis
SMEs Potential Development
Food and Restaurant
OTOP and Grass Root
New Entrepreneurs
Intellectual Property Capitalization
Other Service
Joint Venture AVAL
Letters of Guarantee
Market Channel Advisory Service
Credit & Service
SME POWER for Thai Strong Program 2
Measures for Exporter
SME POWER for Tourisms
SME POWER for A New Start
Thai Logistic Business
Measures for Flood Victims
Gems and Jewelry Business
NGV
Energy Conservation
Hire Purchase for NGV Van
Hire Purchase for NGV Car
Thai Cuisine to the World II
OTOP
Civil Sector Debt Relief
Franchise
Small Business ( Retail )
Innovative
New Entrepreneur Creation
Intellectual Property Capitalization
Machinery Capitalization
Royal Land Tenants
SME Development • Aim to Support and Develop Entrepreneurs before and after lending credit (Pre and Post Loan) • Increase Potential and Capacity in competition to Thai SMEs
Pre Loan Prepare the readiness in fund reaching. - Share the knowledge about credit loans and products of the bank for Thai Entrepreneurs. - Counsel with simply and comfortably to reach source of funds. - Enhancing the knowledge before borrowing credit with SME Bank.
Post Loan
Capacity Enhancement for Thai Entrepreneurs
After getting credit loan from the bank. SME Bank will educate for Thai Entrepreneurs by
focusing on knowledge enhancement especially five main areas : Production, Marketing,
Finance, Information Technology, and Innovation.
Post loan Activities
1. Seminar 2. Business Diagnosis 3. Upgrade in Products and Services 4. Alliance cooperation 5.Others service
Productivity Improvement Loan
SME Bank
Ministry of Industry
Ministry of Finance
COOPERATION
SME Bank
Ministry of industry
Ministry of Finance
Develop SMEs in order to upgrade in productivity. Preparing for
the readiness in AEC competition
Cabinet Approval 24 April 2012
8 January 2013
Promote and Support SMEs in fund reaching.
Develop, Training, Enhance capacity with strengthen and sustainable growth
Policy
Productivity Improvement Loan(PIL): Project amount 20,000 million baht. (640 million USD)
Objective
Upgrade in productivity for SMEs to prepare the
readiness for AEC competition
Relieve impact of the minimum wage policy
(300 Baht)
Relieve impact from cost of energy
Type of Lending
Working process
Improving Loan o Revolving Fund
(Stock management)
o Extension / Improvement
o Human Resource / Labor / Planning / Operation Process / Logistic
Machinery
Improving Loan o Machinery and Equipment purchasing
o Improvement machinery changing
Approval Proportion
Approval
21%
79%
Bangkok-MetropolitanRegions-Provinces
Bangkok - Metropolitan Region
21% 79 %
Approval Proportion (Business Sectors)
10%
33%
53%
4%
Business Sectors
Retail Wholesales
Service
Manufacturing
Others
Manufacturing
Service
Productivity Improvement Loan
Term Loan The maximum loan period of 7
years. Grace Period 1 year
Credit facilities type :
1. Machinery Improving Loan 2. Working process Improving Loan
Term Loan The maximum loan period of 5
years. Grace Period 1 year
Credit limit : Not exceed 5 Million baht / Customer
Credit facilities type
interest rate : 1st year – 2nd year interest rate MLR– 3% / year From 3rd year onwards, interest rate is MLR a year
Productivity Improvement Loan
Amount : 50.15 Million Baht (1.6 Million USD.)
1. Machinery Improving Loan 2. Working process
Amount : 15,666 Million Baht (501 Million USD.)
Out Standing
Outstanding as at : October 30 2013
Success Case
Customer : Mrs. Champa Bangon Business : Production and distribution of ice tube Amount of Loan : 2.5 Million Baht Purpose : To Buy new machine
Objective : To Reduce energy cost by Production during off peak hour (22.00 – 9.00 ) Reduce energy cost : 960,000 Baht/Years Gross Profit / Years : (before) 3.431 Million Baht (After) 4.391 Million Baht