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Thursday, April 28, 2011

PASARAN & PELABURAN INDUSTRI FILEM CEREKA MALAYSIA

PASARAN & PELABURAN INDUSTRI FILEM CEREKA MALAYSIA :

PERMASALAHAN & PELUANG

Oleh Azharul Azmir Kamarulzaman


Pengenalan

Sejak akhir-akhir ini, mantan Perdana Menteri Tun Dr Mahathir Mohamad seringkali menyuarakan bahawa ekonomi negara harus mengubah pendekatan dari terlalu bergantung kepada pleaburan langsung asing (FDI) kepada pelaburan langsung domestik (DDI). Ia sebenarnya memberi gambaran bagaimana lanskap ekonomi global semasa kini telah berubah. Ekonomi harus diberi tafsiran dan pendekatan baru untuk mengendalikannya. Seiring dengan itu, perubahan kitaran ini juga memperlihatkan bagaimana industri kreatif menjadi semakin penting dan memainkan peranan besar dalam kitaran ekonomi global.

Kementerian Penerangan, Kebudayaan & Kebudayaan baru-baru ini mengumumkan bahawa industri kreatif negara menyumbang sejumlah RM6 bilion kepada Keluaran Dalam Negara Kasar (KDNK) negara. Negara Singapura menyasarkan industri kreatif dan kandungan mereka akan menyumbang 10% dari GDP mereka dalam tempuh masa beberapa tahun akan datang. Setiap penglibat terutama pengurus industri harus menyedari kepentingan untuk terus mengangkat industri kreatif sebagai sebuah industri dominan yang relevan dan memainkan peranan jelas dalam KDNK negara sekiranya mahu industri ini `dipandang` oleh pihak kerajaan dan juga para pelabur. Perhatian kedua pihak ini amat diperlukan, dan ini menjadi tugas amat berat kepada para pengurus industri untuk memastikan industri filem berada dalam `agenda penting` kedua pihak ini.

Program Tranformasi Ekonomi (ETP) yang baru dilancarkan baru-baru ini juga memperlihatkan hal ini apabila menyatakan secara jelas bahawa industri kandungan dan industri kreatif sebagai salah satu bidang keberhasilan utama negara. Ini adalah peluang yang harus direbut oleh industri filem tempatan untuk berkembang pada kadar yang lebih komptetatif.

Dalam konteks industri filem cereka secara khusus, bagi memenuhi hasrat itu, industri ini mencapaikan peningkatan dalam pasaran berasaskan kepenggunaan/ penontonan khalayak perdana bagi memastikan industri ini terus relevan dan mampu memain peranan sebagai sebuah industri dalam sebuah negara membangun seperti Malaysia

Memahami sifat filem itu sendiri yang merupakan salah satu bentuk seni yang pastinya menimbulkan conflict of interest dalam hal ini, industri filem cereka harus ditadbir dan diurus secara profesional dan seimbang. Dengan bersifat sebagai sebuah karya seni, pastinya kadangkala berlaku percanggahan dengan kehendak pasaran semasa yang lebih berorentasi budaya popular. Klasifikasi filem sebagai komoditi ekonomi secara mutlak pula pasti akan tidak dipersetujui oleh sesetengah karyawan filem yang melihat filem sebagai medium mereka untuk berkarya, berekspresi mahupun mengupas permasalahan sosial semasa. Namun, jika mahu melihat industri filem cereka Malaysia, kedua-dua fahaman ini harus dilihat secara rasional dan seimbang. Dengan cara itu, barulah kita akan menemui pendekatan terbaik dalam mengendalikannya.


Penguasaan Pasaran Tempatan

Filem merupakan komoditi universal. Industri filem menjanjikan sebuah pasaran global yang semakin hari semakin berkembang. Bukan sahaja dari sudut pasaran antara negara, tetapi juga perkembangan teknologi yang memperkenalkan pelbagai platform penayangan. Ini sekaligus mempelbagaikan segmen pasaran bagi industri filem yang sememangnya bergantung besar kepada hasil dari jualan kutipan tiket dan jualan hak tayangan dan hak pengedaran (right).

Namun, dalam situasi semasa filem cereka tempatan yang masih belum mampu memainkan peranan besar dalam pasaran global, elok rasanya jika penulis memfokuskan terlebih dahulu kepada persoalan filem cereka Malaysia dalam pasaran filem tempatan, khususnya dari pemameran di pawagam

Sebagai filem cereka, pulangan yang paling menjadi tumpuan para pelabur dan penerbit semestinya dari kutipan di pawagam. Dalam tempoh lima tahun terakhir ini, kita dapat melihat jumlah kutipan filem cereka Malaysia di pawagam meningkat dari tahun ke tahun. Banyak pihak melihat peningkatan kutipan ini memperlihatkan pembangunan industri filem cereka Malaysia.

Persoalannya, sejauh mana peningkatan nilai kutipan pawagam tersebut dapat ditakrifkan sebagai pembangunan industri filem cereka Malaysia dalam erti kata sebenar. Bagi penulis secara peribadi, pembangunan industri filem cereka Malaysia, dalam konteks konteks filem sebagai komoditi ekonomi, tidak harus dinilai secara cetek sedemikian.

Peningkatan taraf hidup masyarakat yang sekaligus menaikkan harga tiket pawagam harus diambil kira. Selain itu, pertambahan jumlah penduduk di Malaysia juga harus diambil perhatian. Jabatan Perangkaan Malaysia mengeluarkan laporan awal, jumlah penduduk Malaysia pada Bancian Penduduk 2010 adalah berjumlah hampir 29 juta bebanding 24 juta sepuluh tahun dahulu.

Dengan peningkatan jumlah penduduk, peningkatan jumlah pawagam, serta peningkatan harga tiket, adakah kadar peningkatan nilai kutipan tiket filem cereka kita selari dengan kadar pertambahan tiga elemen tersebut.

Jika perbandingan dibuat, antara kutipan kebanyakan filem tempatan kini yang mengutip sekitar RM2 juta dengan filem Adik Manja tayangan tahun 1979 dengan kutipan yang hampir sama, pastinya ia harus dilihat sebagai penurunan pasaran.

Jika dahulu filem cereka Malaysia ditayang hanya sekitar 20 salinan filem, filem kini kebanyakannya antara 45 hingga 65 salinan, iaitu meningkat lebih 150%. Jadi, jika ia mengutip jumlah kutipan yang sama atau hampir sama, adalah sukar sekali untuk melihat ia sebagai peningkatan dalam pasaran.

Bolehkah filem Adnan Sempit yang mencatat RM7.66 juta dianggap lebih berjaya dari filem Sembilu 2 yang mengutip RM6 juta lebih 15 tahun yang lalu? Ini belum mengambil kira aspek kos penerbitan dan membuat salinan filem itu sendiri yang pastinya meningkat dari hari ke hari.

Seorang ahli akademik, Dr Mahadi J Murad pernah menyuarakan pendapat bahawa, dengan industri pemameran filem yang semakin meningkat dari masa ke masa, pendekatan yang sesuai untuk menilai kredibiliti pembangunan dan peningkatan industri filem cereka Malaysia ialah melalui penguasaan pasaran oleh filem cereka tempatan dalam pasaran tempatan.

Jika pendekatan ini diambil kira, bagi tempoh lima tahun dari 2005 hingga 2009, penguasaan filem cereka Malaysia dalam jumlah kutipan filem cereka di Malaysia bukan sahaja tidak meningkat, malah menurun dari 14.43 % pada tahun 2005 kepada 13.66% pada 2009.

Oleh itu, satu pendekatan baru harus difikirkan dalam mengukur prestasi pembangunan industri filem Malaysia, dan bukan hanya melalui peningkatan kutipan di pawagam semata-mata. Pihak bertanggungjawab harus memikirkan pendekatan yang paling adil dan sesuai dalam hal ini.


Senario Pelaburan Semasa

Seperti yang dinyatakan terdahulu, survival dan daya tahan industri perfileman dalam memastikan ia relevan dengan cara hidup hari ini bergantung kepada keupayaannya memainkan peranan dalam sistem urusniaga dan ekonomi. Mahu atau tidak perfileman harus berdiri sebagai sebuah industri, dengan kata lain mampu menjadi penyumbang kepada ekonomi.

Dalam memperkatakan tentang pelaburan industri filem, dalam tempoh tiga tahun kebelakangan ini, secara rambang, kemasukan pelabur dalam bidang perfileman khususnya penerbitan dan pemameran (pawagam) semakin meningkat.

Dalam bidang penerbitan, kebanyakan pelabur baru terdiri dari pelabur individu dan syarikat persendirian. Ini turut dipengaruhi oleh bantuan dan skim pinjaman yang disediakan oleh pihak kerajaan melalui Skim Pinjaman Filem Cereka (SPFC), serta Dana Industri Kreatif yang masih diperingkat awal perlaksanaannya. Kemunculan pelaburan baru dari sektor korporat pula sangat perlahan dengan bergantung kepada pelabur sedia ada seperti Media Prima Berhad (melalui anak syarikat Primeworks Studio Sdn Bhd) dan Astro All Asia Network (melalui anak syarikat Astro Shaw Sdn Bhd & Tayangan Unggul Sdn Bhd).

Ketidakyakinan para pelabur korporat diyakini atas faktor industri perfileman sendiri yang dilihat tidak mempunyai jaminan pulangan yang pasti disamping ketiadaan persekitaran industri yang kondusif dan diyakini. Bajet 2011 yang dibentang oleh YAB Perdana Menteri pada 15 Oktober 2010 hanya memperuntukkan sekitar RM200 juta atau 0.09 % dari bajet negara untuk industri kreatif. Jumlah tersebut pasti lebih rendah bila dibahagikan kepada semua bidang dalam industri kreatif termasuk industri filem cereka. Ini secara tidak langsung memperlihatkan tahap komitmen dan keyakinan pihak kerajaan secara langsung kepada industri filem cereka yang pastinya turut mempengaruhi keputusan para pelabur. Para penglibat industri harus bekerja lebih keras untuk meraih keyakinan yang lebih baik dari pihak kerajaan.

Dengan tidak menafikan kepentingan pelaburan individu dan syarikat persendirian, pertambahan pelabur korporat khususnya dari syarikat senarai awam (public listed company) dirasakan perlu kerana secara tidak langsung mampu membina reputasi sebuah industri yang kukuh dan diyakini. Ini juga kerana pelabur korporat biasanya merupakan pelabur serius yang konsisten dalam pelaburan berbanding pelabur individu yang kebanyakan bersifat sementara. Ini sangat penting bagi meyakinkan pengurus dana dalam membawa masuk pelabur ke dalam industri. Begitu juga dengan pelaburan dari syarikat-syarikat modal teroka (venture capital) dan syarikat dana ekuiti persendirian. Ini pasti dapat dipertingkatkan jika pihak kerajaan mengemukan insentif dan persekitaran pasaran & pelaburan yang kondusif dalam menarik perhatian para syarikat pengurus dana pelaburan ini.


Prospek Masa Depan

Industri filem cereka merupakan sebuah industri yang berdaya maju dan berdaya saing tinggi dalam kitaran ekonomi hari ini. Ini dapat kita lihat melalui keupayaan industri kreatif menjadi salah satu industri terpenting hari ini. Ini diakui oleh pihak UNESCO yang melalui kajiannya menjelaskan industri kreatif kini menjadi industri kedua terbesar di dunia. Peralihan sistem ekonomi dunia dari pengetahuan semata-mata kepada nilai tambah kreativiti dan inovasi juga memperlihatkan industri kreatif, termasuk industri filem dan industri kandungan menjadi sebuah industri yang sangat penting.

Perkembangan cara hidup kontemporari kini memperluaskan industri filem cereka dari hanya bergantung kepada aktiviti penerbitan, pengedaran dan pemameran semata-mata. Watak-watak dalam filem kini menjadi ikon yang mampu menjadi sebuah jenama. Filem mampu diedar dalam pelbagai platform termasuk home video, media baru dan sebagainya. Industri penyiaran yang berkembang seperti kemunculan saluran Astro First dan saluran televisyen berasaskan protokol internet (IPTV) secara tidak langsung meningkat jumlah segmen penjualan hak tayangan (right).

Kemunculan sub-pasaran seperti ini harus dipergunakan para penggiat dan pelabur filem cereka di Malaysia bukan sahaja meningkatkan perolehan, tetapi juga melihat kemungkinan dan kemampuan untuk lebih mempelbagaikan jenis kandungan yang ditawarkan kepada penonton. Ini termasuk kandungan untuk khalayak perdana hingga kepada kandungan untuk segmen pasaran altenatif (kandungan yang tidak sesuai untuk khalayak perdana). Segmen pasaran alternatif meskipun kecil, tetapi merupakan sebuah pasaran berpotensi besar untuk berkembang.


Penutup

Kemunculan para pengurus profesional generasi baru yang mempunyai pengkhususan kepakaran pengurusan industri kreatif dan industri filem diharapkan membawa sinar baru kepada industri filem cereka Malaysia. Pengurus yang memahami tuntutan survival dalam sistem ekonomi dan apresiasi terhadap produk berasaskan seni mampu mencari pendekatan terbaik mengurus sebuah industri yang kritikal seperti industri filem ini.

Inilah masa yang sesuai untuk industri filem cereka Malaysia untuk mendapatkan tempat yang sewajarnya sepertimana industri filem di Amerika Syarikat, India & Australia. Seharusnya slogan `Filem Malaysia ke Persada Dunia` yang dibawa oleh Perbadanan Kemajuan Filem Nasional Malaysia (FINAS) sebagai agensi bertanggungjawab dalam industri ini bakal menjadi realiti dalam erti kata sebenar.


(Artikel untuk majalah Dewan Ekonomi, Edisi April 2011)

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    Purchase Instrument of BG/SBLC : 32%+2% Minimum Face Value = EUR/USD 1M-5B

    Lease Instrument of BG/SBLC : 4%+1% Minimum Face Value = EUR/USD 1M-5B

    We will be glad to share our working procedures with you upon request.

    Name : Brian Fitzgerald

    Email: secureinquiryfinance@gmail.com

    Skype: secureinquiryfinance

    ReplyDelete
  10. Are you looking for financing source such as Bank Guarantee (BG) and Standby Letter Of Credit (SBLC)?
    I am a direct mandate to a Financial Institution who is also known as private lender specialized in the Lease of Bank / Financial Instruments in the form of Bank Guarantees (BG), Standby Letter of Credit (SBLC), Documentary Letter of Credit (DLC), Letter of Credit (LC), Performance Bonds (PB);
    Whether you are new starting up, medium or large establishment that needs a financial solution to fund/get your project started or an established business looking for extra CAPITAL to expand your operations, our company renders all the credible and trusted bank guarantee providers who are willing to fund and give financing solutions that suits your specific business needs.

    We help/assist you secure SBLC and bank guarantee (BG) for your trade and investment from world ranked Banks such as; HSBC, Barclays Deutsche Bank Frankfurt, and Any A rated Bank in Europe e.t.c

    DESCRIPTION OF INSTRUMENT:

    (1) Instrument: Bank Guarantee {BG} /StandBy Letter of Credit.{SBLC} (Appendix A).

    (2) Total Face Value: Eur/USD 1M{Minimum} to Eur/USD 10B{Maximum}.

    (3) Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.

    (4) Age: One Year and One Day.

    (5) Leasing Price: 4% of Face Value plus 2% commission.

    (6) Delivery: bank to bank SWIFT MT-799 and/or MT-760.

    (7) Payment: MT103 (TT/WT).

    (8) Hard Copy: Bonded Courier Service.

    RWA ready to close leasing with any interested client in few banking days
    We will be glad to share our working procedures with you upon request to help us proceed towards closing deals effectively.

    For further inquiry contact
    Email : Saban.financialbg@gmail.com
    Skype : Saban.financialbg

    ReplyDelete
  11. We are Ireland based major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4+ 1%
    6. Sale Price: 32+2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days.
    If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
    Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
    Name : Keat Cheng
    E-mail : keatcheng2@gmail.com
    Skype id :keatcheng2@gmail.com

    ReplyDelete
  12. We have direct and efficient providers of Bank Guarantee (BG’s), Insurance Guarantees,Confirmable Bank Drafts, Standby Letters of Credit (SBLC) medium term note (MTN) and Third Party Guarantees. which are specifically for sell/lease at leasing price of 4+2% /32+2% for selling price.
    If you are a potential Investor or principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services.

    Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments.


    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG) or Standby Letter of Credit (SBLC)
    2. Total Face Value: Euro/USD 100,000.00 – Euro/USD 50,000,000,000.00
    3. Issuing Bank: HSBC Bank London, Barclays Bank London, Deutsche Bank AG Frankfurt etc.
    4. Age: One Year and One Day (With the option of Rolls and Extension)
    5. Leasing Fee: 4% + 2% [negociable]
    6. Delivery: Bank to Bank Swift MT799 and/or MT760
    7. Payment: MT103
    8. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.

    Kindly contact me for serious inquiries via email.
    Name : Williams Gareth
    Email : rptmsplc@gmail.com

    ReplyDelete
  13. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
    AT THE BEST RATES AVAILABLE

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name : Scott james

    Email : Inquiry.securedfunding@gmail.com
    Skype: Inquiry.securedfunding@gmail.com

    ReplyDelete

  14. Standby Letter of Credit Monetization (BG/SBLC) - Leased/Purchased


    Complete Leased/Purchased Standby Letter of Credit Monetization (BG/SBLC) Non Recourse Loan

    We offer Standby Letter of Credit Monetization (BG/SBLC)

    Bank SWIFT - We use the Bank SWIFT Network to have the Standby Letter of Credit (SBLC) delivered Bank to Bank using SWIFT MT799 followed by SWIFT MT760.



    Standby Letter of Credit Monetization LTV:

    1M to 50B Standby Letter of Credit - Leased (BG/SBLC) - 60% Non Recourse Loan
    1M to 50B Standby Letter of Credit (BG/SBLC) - 90% Non Recourse Loan

    Estimated Completion Time:

    5 to 7 Days after all documents are signed and verified or 3 to 4 Days After Instrument Delivery on the SWIFT Network.


    Closing Process - SWIFT

    After execution of the Standby Letter of Credit Monetization contract by both parties the Client will instruct his bank to send SWIFT MT799 to the bank coordinates provided by the Monetizer.

    The Monetizers bank on receipt of the SWIFT MT799 from the clients bank will reply with a SWIFT MT799.

    On receipt of the Monetizers bank SWIFT MT799 the Clients bank will deliver the Standby Letter of Credit (SBLC) by SWIFT MT760 to the Monetizers bank.
    Upon receipt, confirmation and delivery of the SWIFT MT760 the Standby Letter of Credit Monetizer will within maximum four (4) banking days grant a Non Recourse Loan for the LTV as agreed from its nominated bank to the Client.

    The Standby Letter of Credit Monetizer agrees to return the Standby Letter of Credit (SBLC) unencumbered fifteen (15) calendar days before the 1 year anniversary of the signed contract between the parties.

    Brokers & Consultants:
    Always 100% Protected & Respected
    Healthy Commissions Paid

    For More Inquiries,
    Email :robertowens070@gmail.com
    WhatsApp :+1(501)420-4128
    Skype :robertowens070@gmail.com

    ReplyDelete
  15. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC= EUR/USD 1M

    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC

    PRICE= 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M


    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days


    Name : Karen Perry

    Email :karenperry830@gmail.com
    Skype: karenperry830@gmail.com

    ReplyDelete
  16. We are Mandate to Providers/Trade Platform since 2010, We offer genuine and verifiable bank Instruments via Swift Transmission from a genuine Provider capable of taking up time bound transactions, We offer professional and unique financial & commodity exchange services in the global market through Financial Instruments, We offer direct funding, We offer Bank Instruments in form of BG and SBLC which can be discounted or monetized for funding, Our instruments have been successfully accepted by banks all over the Globe.we ready to close leasing with any interested client in few banking days
    Email : financeandstrategyltd@gmail.com
    Skype:cid.bb534496aa95aec5

    ReplyDelete
  17. (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES

    Dear Sir/Ma,

    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days

    I will be glad to share with you our working procedures.

    Name : Scott james

    Email : inquiry.securedfunding@gmail.com
    Skype : Inquiry.securedfunding@gmail.com

    ReplyDelete
  18. FINANCIAL AGENT LIMITED provides a full financial planning service to both the commercial and domestic markets. At IQ FINANCE PLC we believe that financial planning is about two things: creating wealth and protecting wealth. These two objectives are at the heart of everything we do. And, as a member of FINANCIAL AGENT LIMITED Services, we give you a small-company service but with a large-company set up – the best of both worlds.  
    You are at liberty to engage our leased facilities into trade programs as well as in signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges and any other turnkey project(s) etc. Our terms and Conditions are reasonable. 
    Leasing Price : 6%+2%
    Buying Price: 38%+2%

    Contact us for more details on our terms and procedure of transaction.

    NAME  :Jason Edward
    EMAIL :financialagentltd@gmail.com
    SKYPE :financialagentltd@gmail.com  

    ReplyDelete
  19. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    Dear Sir/Ma,
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : Inquiry.securedfunding@gmail.com

    ReplyDelete
  20. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AT THE LOWEST RATES AVAILABLE. OTHER FINANCIAL INSTRUMENTS SUCH AS MTN, CD, DLC, PB ARE ALSO AVAILABLE.

    I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider.

    Our instruments are only from triple 'a' rated banks and we issue from $1M to $5B . The provider is 100% verifiable. If you are genuinely seeking bank instruments. Contact me and i will furnish you with details.

    They deal with issuing of instruments such as Bank Guarantee and Standby letters of credit also Letters of credit. I only want serious buyers then i will put you in touch with the provider directly.

    - Bank Guarantee (BG)
    - Standby Letter of Credit (SBLC)
    - Direct Line of Credit (DLC)
    - Medium Term Note (MTN)
    - Letter of Credit (LC)
    I will be glad to share with you our working procedures.
    Contact : Robert Bouffad
    Email: Lendingtreemoney@gmail.com
    Whatsapp: +447586540601
    Postal address
    Swiss National Bank
    Börsenstrasse 15
    P. O. Box
    CH-8022 Zurich
    BROKERS ARE WELCOME & 100% PROTECTED!!!

    ReplyDelete
  21. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    PRICE = 32%+2%
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : scott james
    Email : inquiry.securedfunding@gmail.com
    Skype : inquiry.securedfunding@gmail.com

    ReplyDelete
  22. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    PRICE = 32%+2%
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Thomas Wolfgang
    Email : inquiry.fastfunding@gmail.com
    Skype : inquiry.fastfunding@gmail.com

    ReplyDelete
  23. TESTIMONY ON HOW I GOT MY LOAN FROM A FINANCE COMPANY LAST WEEK Email for immediate response: drbenjaminfinance@gmail.com

    {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN FINANCE holds all of the information about how to obtain money quickly and painlessly via WhatsApp +19292227023 Email drbenjaminfinance@gmail.com

    ReplyDelete



  24. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
    AT THE BEST RATES AVAILABLE

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions.

    FOR LEASING OF BG/SBLC

    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1MLEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name : karen perry

    Email : karenperry830@gmail.com
    Skype: karenperry830@gmail.com

    ReplyDelete


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    Mrs. Bernice Clark 69 died of covid-19 related virus. Before her death she left manifold amounts with a security & finance firm in Europe for preservation. she disclosed that the trust-funds should not be left unclaimed. You are to stand as the stipendiary to  late Bernice Clark.
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    Hoping to have an opulence pact with you on communal trust.

    ReplyDelete
  26. Dear Sir/Ma,

    We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by Deutsche Bank Germany and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

    * FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

    RICHARD SMITH
    E-mail : actavogroupltd59@gmail.com
    Skype id :actavogroupltd59@gmail.com
    WHATSAPP:+44 161 391 0591
    Mobile: +44 161 391 0591

    ReplyDelete
  27. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY OR LEASE AT THE BEST AVAILABLE RATES
    We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.
    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%
    FOR PURCHASE OF FRESH CUT BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    PRICE = 32%+2%
    Our BG/SBLC Financing can help you get your project funded,
    loan financing by providing you with yearly.
    RWA ready to close leasing with any interested client in few banking days
    I will be glad to share with you our working procedures.
    Name : Thomas Wolfgang
    Email : inquiry.fastfunding@gmail.com
    Skype : inquiry.fastfunding@gmail.com

    ReplyDelete
  28. My name is Mohammed Ahsan I'm a financial Consultant of a reputable firm Operating out of the United Kingdom
    we provide Discrete Financial, Services for High Net Worth CEO's/Executives of Corporation & Senior Government Officials globally.
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    All bank instrument will be done via bank officer to bank officer, Receiver has to provide bank officer details
    on DOA all brokers are welcome and guarantee of there payment after successful deal
    kindly send me a message via email and WhatsApp.


    Email: mohammedahsan877@gmail.com

    WhatsApp- +19893413179

    ReplyDelete
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