The COVID-19 outbreak has a growing impact on the global economy and it has affected business in every possible manner, particularly their working capital. The government under the PENJANA incentive (Covid-19 Financial Relief Assistance Programme) allocated RM6 billion funds to the banking sector to offer financing facilities as stimulus packages directed at small and medium enterprises (SMEs) that have been adversely impacted by COVID-19. CIMB bank introduces a few relief measures to help businesses to get back on track and ease their cash flow problems. CIMB is working with Syarikat Jaminan Pembiayaan Perniagaan Bhd (SJPP) and Danajamin Nasional Bhd (Danajamin) to roll out the SJPP Government Scheme Covid-19 (GGS Prihatin) and Danajamin Prihatin Guarantee scheme (DPGS) respectively. Without robust and strategic marketing, the stimulus packages would not be able to reach out to the right target sector

. A. Propose and discuss FIVE (5) strategies to promote the stimulus packages as CIMB is expected to ensure that the scheme limit allocated to the bank is fully utilised. (10 marks)

B. However, there are risks associated with SMEs. Elaborate FOUR (4) of those risks. (10 marks)