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Categories: Kerajaan

Permohonan Pinjaman Amanah Ikhtiar

Hantar dan Sebar

Artikel ini telah dibaca 3510Kali!

AIM ialah singkatan kepada Amanah Ikhtiar Malaysia merupakan agensi khusus untuk mengurangkan kemiskinan luar bandar dengan menyediakan kemudahan kredit mikro kepada golongan miskin bagi membiayai aktiviti untuk meningkatkan pendapatan.

Berikut adalah cara Permohonan Pinjaman Amanah Ikhtiar:

Anda perlu mendapatkan borang permohonan Amanah Ikhtiar di cawangan berdekatan.

Semak alamat cawangan Amanah Ikhtiar disini

SYARAT-SYARAT KELAYAKAN UNTUK MENJADI SAHABAT AIM

1) Taraf Kewarganegaraan
Warganegara Malaysia yang mempunyai Kad Pengenalan (mykad) yang berumur 18 tahun ke atas.

2) Had Kelayakan Pendapatan
Had kelayakan pendapatan isi rumah bagi menyertai AIM ialah RM3,855 dan per kapita ialah RM838.

3) Pemastautin (kawasan kediaman) sekurang-kurangnya 1 tahun

SYARAT-SYARAT KELAYAKAN KUMPULAN

Bakal ahli yang layak menyertai AIM perlu menubuhkan kumpulan (5 orang) sejantina yang tiada tali persaudaraan rapat, saling mempercayai dan bertanggungjawab.

Kesemua ahli perlu menghadiri satu kursus asas jangka pendek yang dinamakan Proses Penurunan Kuasa (PPK). PPK berlangsung selama 3 hari (1 jam hingga 1 jam 30 minit setiap sesi) dan bertujuan untuk memberi kefahaman mengenai peraturan dan syarat-syarat AIM.

Semua ahli kumpulan perlu menyertai pusat iaitu gabungan antara 2 hingga 12 kumpulan. Mesyuarat pusat (MP) diadakan selama 1 jam setiap minggu. Semua urusan berkaitan AIM dari pembiayaan, pembentangan, pembayaran balik sehingga pelaporan projek berlaku di MP.

Skim pinjaman yang ditawarkan Amanah Ikhtiar Malaysia

1) i-Muda

Pembiayaan modal perniagaan untuk menjalankan projek bagi meningkatkan pendapatan Sahabat Usahawan

Pembiayaan untuk Sahabat Usahawan berumur 40 tahun dan ke bawah

1.1) sehingga 5,000

Bayaran balik mingguan: 12, 25, 35, 50

1.2) 5,001 – 10,000

Bayaran balik mingguan: 12, 25, 35, 50, 75, 100

1.3) 10,001 – 30,000

Bayaran balik mingguan: 12, 25, 35, 50, 75, 100, 125, 150

2) i-Mesra

Pembiayaan untuk Sahabat Usahawan berumur 40 tahun ke atas