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Our Company sets aside ten percent of our annual net profits as our yearly allocation for Corporate Social Responsibility (CSR).

We regularly donate to needy causes. However, most of our yearly allocations go towards financing the operations of our social concern arm called Partners In Enterprise (M) Bhd (PIE), a non-profit making agency established by us in 1996 to help the poor through micro-finance services.

In micro-finance, we help the poor by giving a needy family an interest-free capital start-up loan of up to RM5,000 to embark on a small business. When the business commences, the loan is repaid in small amounts on a weekly basis over six months.

The loans are used to purchase items necessary for the small businesses. No cash is given to our clients. In this way, every Ringgit is put to good use. Indeed, we are teaching the poor to fish rather than give them a fish to eat.

The repayment rate from our loans is 97%. The capital is recycled to generate additional loans for other poor families.

For the last 15 years, we have helped more than 900 poor families in small income generation activities so that they can have a decent livelihood and their children can continue to attend school instead of being forced to work at a young age.

PIE maintains a site office and employs a full-time manager to provide the micro finance services. All these office expenditures are borne by our Company's CSR allocations.

Besides teaching the poor basic business and financial skills, our staff also seeks to impart to them good moral values and responsible stewardship of money.

Local Malay: Halmah’s Provision Shop

Local Malay: Halmah’s Provision Shop

Local Indian: Kalisvaran’s Vegetable and Fish Stall

Local Indian: Kalisvaran’s Vegetable and Fish Stall


In 2010, PIE was approached by the United Nations to partner with them to provide micro finance services to the Rohingya and Myammar Muslim refugees in Malaysia. Many of these refugees have been begging in the streets or if they managed to find some temporary casual work, they are often exploited.

Since the commencement of this partnership, PIE has helped more than 200 refugee families to embark on small businesses. Many of them have been here for years awaiting reallocation to other countries. Plans have been made to scale up significantly the micro finance services as there are thousands of refugees in Malaysia.

PIE's site office is sited at 6G, Jalan PS 5, Taman Prima Selayang, Batu Caves, 68100 Selangor, in the outskirts of Kuala Lumpur where many refugees live among the local poor Malays and Indians.

Rohingya: Katizah’s Cake Business

Rohingya: Katizah’s Cake Business

Myammar Muslim: Abdullah’s Sireh Business

Myammar Muslim: Abdullah’s Sireh Business