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Bankin JAIZ BANK PLC Tare Da Haɗin Gwiwar SMEDAN Sun Kaddamarda Sabon Shirin Tallafin Kuɗi Mai Taken "MATCHING FUND PROGRAMME FOR MICRO AND SMALL ENTERPRISES (MSEs) PROGRAMME"

Bankin JAIZ BANK PLC Tare Da Haɗin Gwiwar SMEDAN Sun Kaddamarda Sabon Shirin Tallafin Kuɗi Mai Taken "MATCHING FUND PROGRAMME FOR MICRO AND SMALL ENTERPRISES (MSEs) PROGRAMME"

Bankin JAIZ BANK PLC Tare Da Haɗin Gwiwar SMEDAN Sun Kaddamarda Sabon Shirin Tallafin Kuɗi Mai Taken "MATCHING FUND PROGRAMME FOR MICRO AND SMALL ENTERPRISES (MSEs) PROGRAMME"
 

Jawabi Cikin Harshen Turanci

JAIZ BANK PLC/SMALL AND MEDIUM ENTERPRISES DEVELOPMENT AGENCY OF NIGERIA (SMEDAN) MATCHING FUND PROGRAMME FOR MICRO AND SMALL ENTERPRISES (MSEs) PROGRAMME ADVERTORIAL/CALL FOR PARTICIPATION

INTRODUCTION

Ziyarci Shafin SMEDAN domin Karin Bayani

As a concept, pioneered in Nigeria by Development Finance Institutions (DFIs), fund matching has since been embraced by most financial institutions for making credit/financing available to micro and small enterprises (MSEs). The strategy requires the fund matching partners (often a Financial Institution and an MSMEs-promoting institution/Government) to  share the risks of making funds available to target  MSEs  – usually  at  concessionary  rates  over  the  medium-term (tenor). Consequently, desirous of building synergy on this very important aspect of their respective mandate SMEDAN and Jaiz Bank Plc hereby announces the commencement of the JAIZ/SMEDAN MATCHING FUND PROGRAMME FOR MICRO AND SMALL ENTERPRISES. This intervention is to deliver credit, to the sub-sector, as a promotional mechanism to enhance enterprise output, competitiveness and jobs creation. The disbursing entity, under the programme, shall be Jaiz Bank .

CALL FOR PARTICIATION:

The joint programme partners – Jaiz Bank Plc and Small and Medium Enterprises Development Agency of Nigeria (SMEDAN) – hereby invites applications from all suitably-qualified micro and small enterprises (MSEs) located in Katsina, Nasarawa, Niger, Kogi, Jigawa, Bauchi, Adamawa and Gombe. It should be clearly understood that programme particulars set out in paragraphs 1 – 3, above, form the basis for consideration of financing requests under this programme. Applications from qualified micro and small enterprises for facilities under this programme shall be received over a period of six (6) weeks or when the allocated quota of business plans per participating state is exhausted (whichever comes first).

Ziyarci Shafin SMEDAN domin Karin Bayani
Jawabi Cikin Harshen Hausa

GABATARWA

A matsayin ra'ayi, wanda Cibiyoyin Kuɗi na Raya Haɓaka (DFIs) suka fara aiki a Najeriya, yawancin cibiyoyin hada-hadar kuɗi sun karɓi daidaitattun kudade don ba da rance / kuɗaɗe ga ƙananan masana'antu (MSEs). Dabarar tana buƙatar abokan hulɗar asusun (sau da yawa Cibiyar Kuɗi da Cibiyar Tallafawa ta MSMEs/Gwamnati) don raba haɗarin samar da kuɗi don ƙaddamar da MSEs - yawanci a farashin rangwame akan matsakaicin lokaci (mai biyan kuɗi). Don haka, masu son gina haɗin gwiwa a kan wannan muhimmin al'amari na aikinsu na SMEDAN da Bankin Jaiz Plc a nan suna sanar da fara shirin JAIZ/SMEDAN MATCHING FUND DON KANANAN KASANCEWA DA KANNAN KASUWA. Wannan shisshigi shine isar da ƙima, ga sashin yanki, a matsayin hanyar tallata don haɓaka fitar da kasuwanci, gasa da samar da ayyukan yi. Ƙungiyar da za a raba, a ƙarƙashin shirin, za ta kasance bankin Jaiz.


Sharuɗɗan

Shirye-shiryen da ke ƙarƙashin ma'anar, sharuɗɗa da sharuɗɗa za su yi aiki a ƙarƙashin Shirin, wato:

i. Ma'anar Masu Amfani da Target: Masu cin gajiyar manufa na wannan Shirin za su kasance masu himma, ƙananan masana'antu ko ƙananan masana'antu (MSEs), waɗanda ke aiki a cikin ainihin sashe. Waɗannan za su zama sabbin ƙima, samfuran kasuwancin noma waɗanda ke kafa sawun a kasuwannin Najeriya, kuma suna buƙatar ƙarin kuɗi don haɓaka kayan sarrafawa. Ƙwararrun kamfanoni kuma za su yi amfani da albarkatun ƙasa (akalla 65%); suna bin ka'ida kuma suna iya samar da aikin yi don ƙarin ƙarin mutane 2 - 5 a sakamakon kayan aikin da aka samu. A ƙarshe, a cikin layi ɗaya tare da girmamawa na yanzu don bayar da kuɗin sarkar ƙima na baya-baya, kasuwancin noma akan gonaki/gidaje-ware kuma za a yi la'akari da su.


ii. Ana samun kuɗaɗen kuɗi a ƙarƙashin shirin: Masu cin gajiyar shirin za su iya neman tallafin kuɗi tsakanin kewayon Naira miliyan 2- Naira miliyan 5, tare da sabunta kamfanoni da/ko faɗaɗa a matsayin mayar da hankali.


iii. Sharuɗɗa/Sharuɗɗan da suka dace: Ƙididdigar ƙima/ƙibar riba da ake amfani da ita akan duk kuɗin kuɗi, ƙarƙashin wannan shirin, ba zai wuce lamba ɗaya a kowace shekara ba. Mai ba da kuɗin kuɗi na tsawon watanni 30, yana aiki daga ranar da aka fara bayarwa. Wannan ya haɗa da dakatarwa (wanda zai iya bambanta tsakanin watanni 3 - 6, ya danganta da nau'in kasuwancin). Wadanda suka ci gajiyar shirin dole ne su cika fom din neman kudi, su sanya hannu kan duk wasu takardu da ake bukata tare da bankin Jaiz Plc, sannan kuma za su dauki nauyin duk wani cajin da aka amince da su (watau kudin aikace-aikacen N5,000.00 da N5,000.00 na kudin gudanar da binciken bashi ga wadanda suka ci gajiyar akalla biyu). (2) Rukunin Ƙididdigar Ƙididdigar don sarrafa kayan aiki wanda ya dace da tanadin tsarin CBN da cajin canja wurin RTGS. Wannan jimillar N10,000.00 na duka biyun). Tsarin Inshorar Aikin Noma na tilas ta NAIC da kuma babban mahimmin inshorar Takaful na wani kamfani mai suna Takaful ya shafi duk masu cin gajiyar rayuwar aikin.


iv. Tsaro Mai Aiwatarwa: Dangane da sharuɗɗan / tanadin wannan shirin, sarrafa wannan kayan aikin zai buƙaci cikawa da samar da abubuwa masu zuwa:


a. Samar da Lambar Tabbatar da Banki (BVN).


b. Ƙaddamar da oda ta Duniya Tsaye (GSI).

c. Rahoton da aka ƙayyade na NIRSAL Credit Cover.

d. Kadara mai motsi da za a yi rajista a ƙarƙashin National Collateral Registry (NCR), daidai da manufofin CBN na kayan aiki da kudade sama da N500,000.00.

e. Babban mutum mai inshora.


3. HANYOYIN AIKIN SHIRI

Don sauƙaƙe haɗa kai da bayyana gaskiya, a ƙarƙashin shirin, abubuwan da ke ƙarƙashin shirin sune hanyoyin da aka yarda, mataki-mataki, hanyoyin aiwatarwa ga duk masu nema.


i. Bude Portal: Za a yi wannan ta hanyar sanarwar jama'a da aka sanya a cikin zaɓaɓɓun dallies na ƙasa don gayyatar duk MSE ɗin da suka cancanta don nema ta danna alamar jaizbank/smedanmatchingfundprogramme akan gidan yanar gizon SMEDAN (www.smedan.gov.ng). Da zarar an yi ƙaura zuwa tashar smecredits, pre-cancantar masu nema za ta fara.


ii. Pre-cancantar Masu Bukata: Wannan yana ɗaukar nau'in neman binary (watau Ee/A'a) martani ga filaye da yawa don tabbatar da

dacewar mai nema ga wurin. Wadanda ba su cancanta ba ba za su iya wuce wannan matakin ba.


iii. Gabatar da Tsare-tsaren Kasuwanci: Don ci gaba, masu neman cancantar za a buƙaci su biya kuɗin aiki na naira dubu goma (N10,000.00) don samfurin Tsarin Kasuwanci a kan dandamali (A lura cewa ba a buƙatar kuɗin horo daban). Har ila yau, lura cewa za a keɓance adadin guraben Tsarin Kasuwanci ga kowace jiha mai shiga. Saboda haka, shigarwar irin wannan jihar za ta daina lokacin da lambar da ake buƙata ta cika


iv. Ƙimar Tsare-tsaren Kasuwanci Zai zama alhakin SMEDAN, ta amfani da ƙa'idodin cikin gida da aka amince da su, don tantance tsare-tsaren kasuwanci don tabbatar da filin. Irin waɗannan sharuɗɗan za su haɗa da masu zuwa, banki na tsare-tsaren kasuwanci; daidaitaccen rabon masu cin gajiyar shirin; daidaiton jinsi.


v. Ziyarar Tabbatar da Filaye/Komawa zuwa Bankin Jaiz: Ziyarar filin za a kai ga duk MSE da aka zaɓa, tun daga matakin da ya gabata. Ingantattun MSEs daga wannan tsari za a tura su Bankin Jaiz.


vi. Tsari Tsari/Tabbatar da Masu Amfani Na Ƙarshe: Wannan zai dogara ne akan Sharuɗɗan Karɓar Kayayyakin Haɗari na Bankin Jaiz Plc (RAAC), kamar yadda aka gyara da kyau don wannan shirin. Bayan haka Jaiz Bank Plc zai sanar da duk masu neman nasara, tare da jagora kan matakai na gaba.


vii. Horarwar Wartsakewa na Zaɓaɓɓun Masu Amfani: Duk waɗanda aka zaɓa za su sami horo na sabunta kasuwanci, ba tare da ƙarin farashi ba, ta SMEDAN, a matsayin sharadi na ja da baya.


viii. Bude Asusun Banki: Duk wanda ya yi nasara zai buɗe (kuma yayi aiki) asusu tare da reshen bankin Jaiz Plc kusa da wurin aikin su. SMEDAN za a biya kuɗin da ake buƙata na 10% a cikin asusun su, kafin ƙaddamarwa.


ix. Bayar da Kudaden Kuɗi/Biyan Kuɗi da Sabis na Ba da Shawarwari: Bayar da kuɗaɗen kuɗi zai kasance ta Jaiz Bank Plc daidai da tsarin sa na ba da riba, kuma zai fara farfadowa a ƙarshen dakatarwar da aka ba da shawara. SMEDAN, a nata bangaren, za ta gudanar da ziyarar ba da shawara a duk kwata-kwata ga wadanda suka amfana, a wannan lokacin.

Ziyarci Shafin SMEDAN domin Karin Bayani

KIRA GA SAUKI:

Ƙungiyoyin haɗin gwiwar shirin - Bankin Jaiz Plc da Hukumar Bunkasa Kanana da Matsakaitan Masana'antu ta Najeriya (SMEDAN) - don haka suna gayyatar aikace-aikace daga duk masana'antun da suka cancanta (MSEs) da ke Katsina, Nasarawa, Niger, Kogi, Jigawa, Bauchi, Adamawa and Gombe. Ya kamata a fahimci sarai cewa ƙayyadaddun shirye-shiryen da aka bayyana a sakin layi na 1 – 3, a sama, sune tushen la’akari da buƙatun kuɗi a ƙarƙashin wannan shirin. Aikace-aikace daga ƙwararrun masana'antu da ƙananan masana'antu don kayan aiki a ƙarƙashin wannan shirin za a karɓi tsawon makonni shida (6) ko lokacin da adadin tsare-tsaren kasuwanci da aka ware wa kowace jiha mai shiga ya ƙare (duk wanda ya zo na farko).

 Jaiz Bank Plc, kanana da matsakaitan sana'o'i na Najeriya

Kano House, Ralph Shodeinde Str. (SMEDAN),

CBD, Abuja. No 35, Port Harcourt Crescent, Off Gimbiya Str., Area 11, Garki, Abuja.

www.jaizbankplc.com www.smedan.gov.ng

Email: info@jaizbankplc Email: info@smedan.gov.ng

ALLAH Yasa Mu Dace Amin

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