session 8: interest schemes blueprint : 2020 - 2024. mohd razi… · plan focus growth areas...
TRANSCRIPT
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Session 8:
INTEREST SCHEMES BLUEPRINT : 2020 - 2024
Mohd Razin MuhammadHead of Section, Interest Schemes,
Registration Services DivisionSuruhanjaya Syarikat Malaysia
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BLUEOCEAN
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GROWTHFROM :
GOLF
TIME-SHARE
MARINA
MEMORIALPARKS
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TO: MEMORIAL
PARKS
CHIROPRACTICE& MATERNITY
RETIREMENT HOMES
BIO-TECHNOLOGY
TIME-SHARE
FRACTIONAL OWNERSHIPTRAVEL AND LEISURE EDUCATION
AND R&D
MARINA
GOLF
TELE-COMMUNICATION
ECO -TOURISM
AGRO -TOURISM
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LOW AWARENESSOF INDUSTRYTo formulate dynamicstrategies to facilitatediscovery of industry
UNIQE VALUEPROPOSITIONS
Decoding InterestScheme to see itsunique features.
INCLUSIVE LEGALFRAMEWORK
The Interest Schemes Act2016 promotes inclusivity,scaleability and flexibility.
FUTURE ECONOMY –CHALLENGES ANDOPPORTUNITIES
Forward planning to meetthe challenges and seize
opportunities of theFuture Economy.
CATALYSTS FOR BLUEPRINT
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12
3Spin off cashflow throughupfront collection of fees Generating Recurring
IncomeMonetisation of LowRevenue GeneratingAsset
DECODING INTEREST SCHEME1. REVENUE DIVERSIFICATION
STRATEGY2. MULTIPLIER OFECONOMIC VALUE
back
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AR & VR
Robotics
ArtificialIntelligenceSystem
Integration
AdditiveManufacturing
RenewableEnergy
CloudComputing
InformationSecurity
InternetOf Things
1
2
3FUTUREECONOMY
Big DataAnalytics
Nano Tech
Blockchain
7
Source:
FUTUREECONOMY
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BUYER
Alternative FinancingFinancing gapsUnderserved market
Online Market PlaceCost cuttingMarket liquidity
Cross Sector Synergiesand CollaborationCommon GoalsNational Shared Prosperity
Expansion of supportindustryMarket research, analysis andratingsShariah advisory / auditStandards setting / compliance
Online Market PlaceSeamless user experienceMarket liquidity# Information & education# scam prevention
360 DEGREE BLUEPRINTTax Incentive & EPF withdrawal
SELLER
INTERMEDIARYGOVT, AGENCIES
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01
02
03
04
4 in 1 digital Platform
Alternative Financing
Lifestyle Innovation likePreparing for AgeingPopulation
Shariah Compliant
DigitalEconomy
Inclusivity
12th
MalaysianPlan
FOC
US
GR
OW
TH A
REA
S
ALINGNING WITH NEXTMALAYSIAN PLAN
In theworks
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HYBRID SCHEMES
Feeder funding for entry intoInterest Schemes centric industry.
LIFESTYLE INNOVATION Generate new income
stream from newbusiness models.
UNDERSERVED MARKET
Huge financing gap for SME.
PUBLIC - PRIVATE FINANCING& SOCIAL ENTERPRENEURSHIPSynergy and smart partnershipto reduce Govt burden to carryout public infrastructure projectsor public interest services likehealth, ageing population andeducation.
FOCUS GROWTH AREASALTERNATIVE FINANCING PLATFORM
Golf Infrastructure
PAY PER USE VS PAY BEFORE USE
Innovate current model to bemore attractive by twin benefits
Higher Risk sector with keyrole for National economicgrowth and self-sufficiency.
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TRADING EDUCATION
INFORMATION
INFORMATION PLATFORM Basic info on the
scheme.
News and updates.
TRADING PLATFORM Fast connectivity to interest
holders.
Market Info
Secondary market/ liquidity
News & update
Scams alerts
ENQUIRY /COMPLAINT
ENQUIRY PLATFORM
• Enquiries
• Complaints
4 IN 1 INTEREST SCHEME DIGITAL PLATFORMEDUCATION PLATFORM
Investor education
Industry education
Value addedinformation.
FOCUS GROWTH AREAS
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84.8%
81.8%
36.4%
33.3%
Tax incentives
Tax exemptions
Stampy dutyexemptions
EPFwithdrawals
Industry survey has laid out 4 Incentives goalsfor interest holders and scheme operators that
are beneficial for SSM to focus on
MONETARY INCENTIVES FOR THE STAKEHOLDERSIncentivesTask Force
Interest Holders Tax incentiveseg lower stamp duty /
exemption, income tax reliefs
Schemeoperators tax
incentives, lowerdevelopmentcosts, capital
allow etc
FOCUS GROWTH AREAS
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7.8 Million or20% of Nationalpopulation willreach old age in2050
20%
Life expectancy ofMalaysianpopulation by 2050.
80 YEARS
80%
40%SS
55%
65%
Entering old ageEVERY YEAR
150,000
Women, Family &CommunityDevelopmentMinistry)Source:
FOCUS GROWTH AREASLIFESTYLE INNOVATION : PREPARING FOR AGEING POPULATION
1
2
3
Pre-sell package exceeding 1year (promote affordability)
Offer to working class (pre-retirement with buying power)
EPF withdrawal to promotequality living after retirement
UNICEF in Forum“Malaysia’sPopulation In 2050:What Does ThisMean Socio-Economically?”
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SHARIAHADVISORYCOMMITTEE
STEP 2
FOCUS GROWTH AREASINTEREST SCHEMESSHARIAH COMPLIANTFRAMEWORK
SHARIAHGOVERNANCEFRAMEWORK
SHARIAHAUDIT, REVIEWAND RISKMANAGEMENTFRAMEWORK
SHARIAHBUSINESSMODELS
STEP 3
STEP 4
STEP 1 IMPLEMENTATION
LLPs Others
GATE
WAY
STEP 5
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Alternative FinancingInnovative and flexible financing solution forSMEs
Developing Market IntermediaryBuilding up resources and repurpose disruptedservices and professions.
Alternative Asset Class / OwnershipMonetise business assets innovatively to optimizerevenue generation.
Leveraging on Lifestyle InnovationKeeping up with innovation in the travel, wellness,ageing and sports industry.
Contribute towards Economic GrowthPotential economic financing to reduce Governmentspending and assist with economic growth
2
NATIONAL SHAREDPROSPERITY GOAL
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THANK YOU