Microfinance

Agrobank

Product Name	AGRO MUS1M-i - MEF (Islamic) Agro Paddy-i Skim Kredit Mikro Sarawak (SKMS I & SKMS II) Penjaja Agro Cash Line-i
Loan/Financing Size	AGRO MUS1M-i - MEF (Islamic) RM1,000 - RM100,000 Agro Paddy-i Minimum amount: Peninsular Malaysia: RM1,000 Sabah & Sarawak: RM6,000 Maximum amount: Up to RM50,000 Skim Kredit Mikro Sarawak (SKMS I & SKMS II) SKMS I – RM1,000 up to RM10,000 SKMS II – RM5,001 up to RM50,000 Penjaja Agro Cash Line-i RM1,000 to RM5,000
Purpose of Financing	AGRO MUS1M-i - MEF (Islamic) Working capital Capital expenditure Agro Paddy-i Working Capital (targeting paddy farmers for cultivation activities) Skim Kredit Mikro Sarawak (SKMS I & SKMS II) Working Capital (for purchase of stocks, machinery and business equipment) Penjaja Agro Cash Line-i Working Capital
Tenure	AGRO MUS1M-i - MEF (Islamic) 3 months – 7 years Agro Paddy-i Financing Tenure: Up to six (6) months for cultivation, calculated from date of disbursement. Facility Tenure: Up to five (5) years or until Customer reached 70 years old upon financing maturity; whichever comes first Skim Kredit Mikro Sarawak (SKMS I & SKMS II) SKMS I – up to 3 years SKMS II – up to 5 years Penjaja Agro Cash Line-i 3-7 years
Financing Rate (Per Annum)¹	AGRO MUS1M-i - MEF (Islamic) Effective rate of up to 6.5% p.a Agro Paddy-i Effective rate of up to 6.5% p.a Skim Kredit Mikro Sarawak (SKMS I & SKMS II) SKMS I – 0% SKMS II – Effective rate of up to 4% p.a. Penjaja Agro Cash Line-i Micro Enterprise Facility (MEF) – effective rate of 4.75% Commercial fund – Effective rate of 9% (BFR + 2.5%)
Committed Approval Time² (upon receipt of full documentation)	6 working days
Committed Disbursement Time	4 working days³
Eligible Economic Sector	AGRO MUS1M-i - MEF (Islamic) All Shariah compliant sectors Agro Paddy-i Agriculture – Specific for paddy planting Skim Kredit Mikro Sarawak (SKMS I & SKMS II) Agriculture (excluding main/primary agriculture) Non-Agriculture (including processing, manufacturing and services Penjaja Agro Cash Line-i All sectors
Eligibility Criteria to Apply	AGRO MUS1M-i - MEF (Islamic) Micro enterprises / self employed individuals Age between 21 – 65 years old on the date of application Have valid business license / permit / registration With at least 6 months business / project experience Place of residence close to business / project site Agro Paddy-i Offered to individual farmers that meet the following criteria: Aged between 18 years old upon application and 70 years old upon financing maturity. Malaysian citizen who resides in Malaysia. Payment of paddy proceeds, subsidy (under Skim Subsidi Harga Padi (SSHP)) or related incentives have been registered by Padiberas Nasional Berhad (BERNAS) to be channelled to the Customer’s deposit account with the Bank. For the second or subsequent financing application, the outstanding balance of previous financing must be fully settled. Free from any legal actions (i.e., judgement proceeding, bankruptcy declaration or matters lead to bankruptcy action). Skim Kredit Mikro Sarawak (SKMS I & SKMS II) Malaysian citizen born in Sarawak. Individual, sole proprietorship, partnership, Sdn. Bhd Aged 18 years old and not exceeding 60 years old; an applicant who is 60 years old is eligible subject to joint applicants who are not more than 60 years old The business is operating within the State of Sarawak; and The business is registered under the laws of Malaysia and has been in operation for at least 6 months. Penjaja Agro Cash Line-i Malaysian citizen Micro-entrepreneurs as per MSME definition by SME Corporation Malaysia. Self-employed individuals who conduct business activities to earn a living, but activities are not registered with any of the authorities specified in the SME Definition by SME Corporation Malaysia Aged between 21 years old upon application and 70 years old upon financing maturity. The business is registered under the laws of Malaysia and has been in operation for at least 12 months.
Common Documents Required	AGRO MUS1M-i - MEF (Islamic) Applicant identity card Proof of business operations (e.g. business registration / license / permit) Proof of income (e.g. bank statement of latest 6 months or sales record) Other relevant documents Agro Paddy-i Identification card SSHP Farmer Registration Card Application and Work Verification Form for Ploughing Incentive, IPKP3 or IPKP4, which is the latest version and has been verified by the Area Farmers’ Organization (PPK). Latest documents proving paddy purchase issued by Bernas Rice Mill (KBB) or KPK, such as: Paddy purchase bill Payment voucher Weighing note Documents 3 and 4 can be replaced with the latest Bernas Paddy Purchase Record, known as L05 or L22. However, these documents must be obtained by the bank directly from Bernas. Skim Kredit Mikro Sarawak (SKMS I & SKMS II) Individual application Identification card Company registration Latest 6 months sales record Latest 6 months bank statement Latest 3 months pay slip Confirmation of employment Copy of utility bills List of assets and liabilities (financing commitment) Non-Individual Application M & A, Borang 24, 49 & 44 Latest 6 months bank statement Audited financial statement (last 3 years) Management Account Company registration Partnership registration Board resolution (for financing application) SSM search for company profile Authorise letter by association List of assets and liabilities with other banks Other documents Copy of Mykad for referrer Authorise letter / rental agreement / for business premise operation Certificate of training (any relevant) CCRIS and CTOS record (if any) Penjaja Agro Cash Line-i Malaysian citizen. Micro-entrepreneurs as per MSME definition by SME Corporation Malaysia. Self-employed individuals who conduct business activities to earn a living, but activities are not registered with any of the authorities specified in the SME Definition by SME Corporation Malaysia. Aged between 21 years old upon application and 70 years old upon financing maturity. The business is registered under the laws of Malaysia and has been in operation for at least 12 months Summary of last 6 months bank statement; or Summary of last six (6) months payment receipt or sales invoice; or Tax submission (Borang B/ Borang J / Borang P) Company/ partnership registration
Application Procedures	AGRO MUS1M-i - MEF (Islamic) Visit branches that display Agro Paddy-i The bank has established a dedicated ‘Paddy Credit Centre, in respective area to facilitate financing application. Skim Kredit Mikro Sarawak (SKMS I & SKMS II) The bank has established dedicated procedures for branches in Sarawak to facilitate financing applications in accordance with the criteria of the scheme Penjaja Agro Cash Line-i All bank branches nationwide For customer service related: Agrobank, Client Relationship Management, Leboh Pasar Besar, 50726 Kuala Lumpur. Phone num : 1-300-88-2476 Fax: 603-2691-7790 Email: [email protected]
Public Hotline Numbers	AGRO MUS1M-i - MEF (Islamic) Headquarters: 03-2731 1600 ext: 2033 / 2034 / 2035 / 2036 / 2041 / 2064 / 2042 Kuala Lumpur/Selangor: 03-5510 4268 / 03-5519 3537 / 03-5510 4286 Negeri Sembilan: 06-7625 476 / 06-7610 528 / 06-7615 21 Melaka/Johor: 06–2824 912 / 06–2827 912 / 06 – 2829 912 / 06 – 2822 912 Kedah/Perlis/P.Pinang: 04-3328 032 / 04-3328 064 Kelantan/ Terengganu: 09-6222 408 / 09-6222 508 / 09-7481 295 / 09-7487 684 / 09-7476 733 Perak: 05-2559 380 / 05-2559 394 Pahang: 09-5156 933 / 09-5156 842 / 09-5150 243 Sabah: 088-288 237 / 088-288 284 / 088-288 238 / 088-288 281 / 088-267 071 Sarawak: 082-429 077 / 082-240 891 / 082- 240 904 / 082-240 905 Agro Paddy-i Tok Bali: 09-7690000 / 09-7690011 Guar Chempedak: 04-4615198 / 04-4615181 Seberang Perak: 05-6551055 / 05-6551077 Tanjung Karang: 03-32695598 / 03-32698064 / 03-32698084 Parit Buntar: 05-7164086 Skim Kredit Mikro Sarawak (SKMS I & SKMS II) All bank branches in Sarawak. Penjaja Agro Cash Line-i 1-300-88-2476

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

Bank Rakyat

Product Name	Skim Pembiayaan Mikro-i (MUsK) (Modal Usahawan Kecil) (Islamic) Skim Pembiayaan Mikro-i Individu (MIND) (Islamic) Skim Pembiayaan Mikro-i (MUsK) MEF (Islamic) Skim Pembiayaan Mikro-i (MUsK) Tanpa Panel (Islamic) BRPlus Financing-i (BRPlus-i) (Islamic) Pembiayaan Mikro Rakyat2E (Rakyat 2E) (Islamic) Micro-BRJohorNiaga-i (Islamic) Bank Rakyat Indian Entrepreneur Financing (BRIEF-i) BRProsper-i
Loan/Financing Size	RM1,000 – RM50,000
Purpose of Financing	Working capital Capital expenditure BRProsper-i Working capital
Tenure	Up to 5 years
Financing Rate (Per Annum)¹	Skim Pembiayaan Mikro-i (MUsK) (Modal Usahawan Kecil) Flat Rate: 12.56% p.a (equivalent to Effective Rate of 21.16%¹ p.a) Source of fund: Bank Fund Skim Pembiayaan Mikro-i (MUsK) MEF Normal applicant: Flat Rate: 6.50 % p.a. (equivalent to Effective Rate of 11.68%¹ p.a) Bank Rakyat iTEKAD participant: 4.00% p.a (equivalent to Effective Rate of 7.42%¹ p.a) Source of fund: Bank Negara Malaysia (BNM) Fund Skim Pembiayaan Mikro-i (MUsK) Individu (MIND) Existing customer (more than 3 years): Flat Rate: 7.50 % p.a. (equivalent to Effective Rate of 13.32%¹ p.a) New Customer: Flat Rate: 8.50% p.a. (equivalent to Effective Rate of 14.93%¹ p.a) Source of fund: Bank Fund Skim Pembiayaan Mikro-i (MUsK) Tanpa Panel Flat Rate: 12.45% p.a (equivalent to Effective Rate of 21.00%¹ p.a) Source of fund: Bank Fund BRPlus Financing-i (BRPlus-i) & Pembiayaan Mikro Rakyat2E (Rakyat 2E) Flat Rate: 7.50% p.a (equivalent to Effective Rate of 13.32%¹) Source of fund: Bank Fund Micro-BRJohorniaga-i Flat Rate: 9.5% p.a (equivalent to Effective Rate of 15.12%¹) Source of fund: Bank fund Bank Rakyat Indian Entrepreneur Financing (BRIEF-i) Flat rate: 6.50% p.a (equivalent to Effective Rate of 11.68%¹) Source of fund: Bank fund BRProsper-i Commercial fund – Effective rate of 11.68% (Government subsidy of 2%)
Committed Approval Time² (upon receipt of full documentation)	6 working days
Committed Disbursement Time	4 working days³
Eligible Economic Sector	Services Retailing & trade Manufacturing Agriculture BRProsper-i All sectors
Eligibility Criteria to Apply	BRProsper-i Microenterprises as per definition by SME Corporation Malaysia (focusing on Chinese entrepreneurs) Business is 3 years in operation No adverse record in CTOS and CCRIS (not more than 1 month-in-arrears) on application/shareholder/ guarantor/business owner No special Attention Account Shariah Compliant business Other products Microenterprises as defined by SME Corp OR self-employed individuals Age between 18 and 65 years old Have valid business license / permit / registration Full-time entreprenuer At least with 2 years business experience Place of residence is close within the business vicinity Additional eligibility criteria: Skim Pembiayaan Mikro-i (MUsK) (Modal Usahawan Kecil) Belongs to a self-help group (SHG) Members of cooperatives OR Hawkers and Petty Traders Association Skim Pembiayaan Mikro-i (MUsK) Tanpa Panel Belongs to a self-help group (SHG) Skim Pembiayaan Mikro-i (MUsK) MEF & BRPlus Financing-i (BRPlus-i) The business has been in operation for at least 2 years with similar business activity Pembiayaan Mikro Rakyat2E (Rakyat 2E) Attended a business course provided by BKRM / INSKEN / other training providers deemed acceptable to Bank Rakyat Guarantee coverage by Credit Guarantee Corporation Malaysia Berhad (CGC) Micro-BRJohorNiaga-i Must obtained prior approval from Perbadanan Usahawan Johor (PUJB) via registration on Pusat Data Usahawan Johor (PADU) system Bank Rakyat Indian Enterpreneur Financing (BRIEF-i) The business has been in operation for at least 1 years with similar business activity BRPRosper-i The business has been in operation for at least 1 years with similar business activity
Common Documents Required	Applicant identity card Proof of business operations (e.g. business registration / license / permit) Proof of income (e.g. bank statement of latest 6 months or sales record) Recommendation letter from panel cooperatives and self-help group members BRProsper-i Identity card Business/ company registration (at least 3 years in operation) At least last 6 months bank statement
Application Procedures	1. Visit branches & Business Banking Centres (BBC) that display 2. Online application via Quick-Response-to-Entrepreneur (QR2E) online portal (qr2e.bankrakyat.com.my) Pembiayaan Mikro Rakyat2E (Rakyat 2E) Credit Guarantee Corporation Malaysia Berhad (CGC) Branches: www.cgc.com.my/cgc-branches
Public Hotline Numbers	Headquarters 03-2612 9600 Business Banking Centre (BBC) Direct Line Kuala Lumpur 03-2600 4751 Selangor 03-5519 8427 / 03-5512 6124 / 03-5512 6560 / 03-5510 1630 Melaka / Negeri Sembilan 06-231 0498 / 06-231 0684 / 06-231 0262 Kedah / Perlis / Pulau Pinang 04-440 4685 / 04-444 6743 / 04-444 5245 / 04-444 7613 Kelantan / Terengganu 09-764 2436 / 09-764 3265 / 09-764 8684 / 09-764 8045 Perak 05-528 0757 / 05-528 0679 / 05-528 0504 Johor 07-244 6481 / 07-244 8547 / 07-244 7316 / 07-244 7179 Pahang 09-513 3432 / 09-513 5517 / 09-513 3521 / 09-513 2976 Sabah 088-763 525 / 088-764 525 / 088-765 525 / 088-766 525 Sarawak 082-612 594 / 082-614 045 / 082-614 154 / 082-614 519 Contact Centre 1300-80-5454

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

Bank Simpanan Nasional

Product Name	BSN Micro/i TemaNiaga (Conventional & Islamic) BSN Micro/i TemanMesra (Conventional & Islamic) BSN Micro/i Madani (Conventional & Islamic) BSN Micro/i Madani BSN Micro/i Madani Mulaniaga BSN Micro/i Madani Penjaja BSN Micro/i Madani Wanita BSN Micro/i Madani Bakti BSN Micro/i Madani Belia BSN Micro/i Madani Sinar BSN Micro/i Madani Industri Desa BSN Micro/i Madani Gigs BSN Micro-i Hasanah (Islamic) BSN Micro-i Cashline (Islamic) BSN Mikro-i TemanMesra (Skim Jaminan BizJamin-i Mikro TemanMesra) (Islamic)
Loan/Financing Size	RM5,000 – RM100,000
Purpose of Financing	Working capital Capital expenditure Renovations
Tenure	BSN Micro/i TemaNiaga, BSN Micro/i TemanMesra & BSN Micro-i Hasanah 1 – 5 years BSN Mikro/i Madani 1 – 7 years BSN Micro-i Cashline Up to 5 years (subject to annual review)
Financing Rate (Per Annum)¹	BSN Micro/i TemaNiaga Flat Rate: 6.38% – 17.00% (equivalent to Effective Rate of 11.48% – 27.50%¹) Source of Fund: Internal Fund BSN Micro/iTemanMesra Flat Rate: 6.38% – 14.00% (equivalent to Effective Rate of 11.48% – 23.25%¹) Source of Fund: MEF Fund BSN Mikro/i TemanMesra Government Guarantee Scheme Madani (GGSM) SJPP Flat Rate: 4.68% (equivalent to effective rate of 8.60%¹) Source of Fund: MEF Fund BSN Mikro-i TemanMesra (Skim Jaminan BizJamin-i Mikro TemanMesra) Flat Rate: 5.99% -7.49% (equivalent to effective rate of 10.83% - 13.30%¹) Source of Fund: MEF Fund Skim Mikro Madani (Conventional & Islamic)* BSN Mikro/i Madani Flat Rate: 3.50% / 4.00% (equivalent to effective rate of 6.54% / 7.42%¹) *Except for: BSN Mikro/i Sinar which is priced at Flat Rate: 3.00% (equivalent to Effective Rate of 5.64%¹) Source of Fund: Internal Fund BSN Mikro-i Hasanah 0% Source of Fund: Internal Fund BSN Mikro-i Cashline Standardised Base Rate (SBR) +6.70% Source of Fund: Internal Fund
Committed Approval Time² (upon receipt of full documentation)	6 working days
Committed Disbursement Time	4 working days³
Eligible Economic Sector	Services Retailing / wholesale Manufacturing
Eligibility Criteria to Apply	Micro enterprises including professionals and entrepreneurs/individuals operating as business entities. Companies registered with Companies Commission of Malaysia (CCM) / have license from Local Authority / District Offices (for Sabah & Sarawak) or Operation Permit - including sole proprietors / partnerships / private limited companies Have valid business license / permit / registration Applicant operates the business on full-time / part-time basis At least with 2 years business experience (minimum 6 months registered for BSN Mikro/i Madani / 3 months for BSN Mikro/i Madani MulaNiaga, BSN Mikro/i Madani Gigs, BSN Mikro/i Madani Penjaja and BSN Mikro-i Hasanah) Passed credit record checking with BSN and other institutions Additional eligibility criteria: Skim Mikro Madani (Conventional & Islamic) BSN Mikro/i Madani MulaNiaga: All nano/micro/small business sectors, entrepreneurs who have just started a formal business BSN Mikro/i Madani Penjaja : All nano/micro/small business sectors, static and non-static hawker entrepreneurs BSN Mikro/i Madani Wanita : All nano/micro/small business sectors, women entrepreneurs BSN Mikro/i Madani Bakti : All nano/micro/small business sectors, uniformed veteran entrepreneurs and government retirees BSN Mikro/i Madani Belia : All nano/micro/small business sectors, youth entrepreneurs aged 30 years and below BSN Mikro/i Madani Sinar : The nano/micro/small business sector of ex-convicts, AADK, JKM, OKU and SOCSO trainees BSN Mikro/i Madani Industri Desa : All nano/micro/small business sectors, rural industry entrepreneurs BSN Mikro/i Madani Gigs : All nano/micro/small business sectors, gig groups through digital platforms BSN Micro-i Hasanah Eligible B40 including Phase 1 graduates of iTEKAD programme
Common Documents Required	Proof of business operations (e.g., valid business registration / license / permit) Identity card of business owner / proprietor / partners/ Directors Proof of income - copy of latest 6 months bank statement, except for BSN Mikro/i Madani MulaNiaga, BSN Mikro/i Madani Gigs, BSN Mikro/i Madani Penjaja and BSN Mikro-i Hasanah (latest 3 months bank statement) Supporting documents (if any) such as audited account / latest income tax, management account, sales record Other relevant documents Additional Documents: Skim Mikro Madani (Conventional & Islamic) BSN Mikro/i Madani Bakti Pensioner card / pension payment statement / any document to prove status or pensioner or government uniformed body. BSN Mikro/i Madani Sinar OKU identification card as issued by the Jabatan Kebajikan Masyarakat (Kad OKU)
Application Procedures	1. Visit branches and Micro Finance Centres that display 2. Online application via BSN website and imSME website (imsme.com.my) 3. BSN Mikro-i TemanMesra (Skim Jaminan BizJamin-i Mikro TemanMesra) Through this Scheme, acceptance of financing application is at CGC branches only.
Public Hotline Numbers	BSN Customer Service Center Hotline number: 1300881900 (local) / 0326131900 (overseas)

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

Alliance Bank & Alliance Islamic

Product Name	Cash Vantage Personal Financing-i (Islamic) Cash First Personal Loan (Conventional)
Loan/Financing Size	RM5,000 – RM50,000
Purpose of Financing	Working capital Capital expenditure
Tenure	1 – 7 years
Financing Rate (Per Annum)¹	Flat Rate: 9.78% – 15.28% (equivalent to Effective Rate of 16.93% – 25.08%¹) Source of Fund: Internal Fund
Committed Approval Time² (upon receipt of full documentation)	2 - 5 working days
Committed Disbursement Time	1 working day³
Eligible Economic Sector	All sectors
Eligibility Criteria to Apply	Self-employed individuals Has valid business registration Age between 21 – 65 Minimum 2 years in current line of business
Common Documents Required	Applicant identity card Proof of business operations (e.g. business registration / license / permit) Proof of income - copy of latest 6 months bank statement; latest Borang B verified against tax receipt; OR latest EPF Statement Other relevant documents
Application Procedures	Visit ABMB website (www.alliancebank.com.my)
Public Hotline Numbers	Selangor 03-5516 9988

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

AmBank & AmBank Islamic

Product Name	AmMicro Enterprises Facility (Conventional) AmMoneyLine Facility-i (Islamic) Pay As You Grow (PayG) Pay As You Grow-i (PayG-i)
Loan/Financing Size	AmMicro Enterprises Facility RM5,000 - RM50,000 AmMoneyLine Facility-i RM2,000 - RM10,000 (for iTEKAD participants) Pay As You Grow (PayG) Pay As You Grow-i (PayG-i) RM5,000 - RM100,000
Purpose of Financing	Working capital Capital expenditure Pay As You Grow (PayG) Pay As You Grow-i (PayG-i) Working capital
Tenure	AmMicro Enterprises Facility 1 – 5 years AmMoneyLine Facility-i 1 – 7 years Pay As You Grow (PayG) Pay As You Grow-i (PayG-i) Up to 3 years
Financing Rate (Per Annum)¹	AmMicro Enterprises Facility Effective Rate: from Base Lending Rate (BLR) + 2% Source of Fund: BNM’s fund. AmMoneyLine Facility-i Flat Rate: 8.99% – 11.99% (equivalent to Effective Rate of 15.18% - 21.55%¹) Pay As You Grow (PayG) Pay As You Grow-i (PayG-i) Effective financing rate between 13.5% to 18% subject to AmBank Group’s Internal risk scoring, loan/financing amount and tenure
Committed Approval Time² (upon receipt of full documentation)	6-7 working days Pay As You Grow (PayG) Pay As You Grow-i (PayG-i) 6 working days
Committed Disbursement Time	2-4 working days³ Pay As You Grow (PayG) Pay As You Grow-i (PayG-i) 4 working days
Eligible Economic Sector	All sectors Pay As You Grow (PayG) Pay As You Grow-i (PayG-i) All economic sectors, primarily wholesale, retail trade and services
Eligibility Criteria to Apply	AmMicro Enterprises Facility Micro enterprises Companies registered with Companies Commission of Malaysia (CCM) Sole proprietors / partnerships / private limited companies Aged between 25 – 70 years old (age limit at maturity date) Pass credit checking (i.e., CTOS, CCRIS, AMLA, bank’s internal checks) as required by AmBank Startup which has been at least 1 year in operation AmMoneyLine Facility-i Micro enterprises Sole proprietors / partnerships which has been registered for at least 3 years Aged between 21 – 60 years old Pass credit checking (i.e., CTOS, CCRIS, AMLA, bank’s internal checks) as required by AmBank Islamic Pay As You Grow (PayG) Pay As You Grow-i (PayG-i) Micro-entrepreneurs as per MSME definition by SME Corporation Malaysia. Business entity registered in Malaysia Years in business atleast 2 years Aged between 20 years old upon application and 70 years old upon financing maturity. Primarily sales collection via AmBank merchant terminal Pass AmBank’s credit checking
Common Documents Required	AmMicro Enterprises Facility Applicant identity card Proof of business operations (e.g., business registration / license / permit) Bank statements of latest 6 months Other relevant documents (i.e., EPF payment to staffs) AmMoneyLine Facility-i Applicant identity card Form A and D of business registration Latest 6 months bank statement (individual or business account) Pay As You Grow (PayG) Pay As You Grow-i (PayG-i) Identification card of key person/ guarantors Bank statement for the last 6-months Business/company registration document
Application Procedures	Visit branches that display Online application via AmOnline
Public Hotline Numbers	03-2178 3188

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

Bank Islam

Product Name	iTEKAD Maju Microfinance (Islamic) iTEKAD BangKIT Microfinance (Islamic)
Loan/Financing Size	iTEKAD Maju Microfinance RM10,000 - RM50,000 iTEKAD BangKIT Microfinance RM5,000 – RM20,000
Purpose of Financing	Working capital Capital Expenditure
Tenure	iTEKAD Maju Microfinance 1 - 7 years iTEKAD BangKIT Microfinance 6 months - 3 years
Financing Rate (Per Annum)¹	iTEKAD Maju Microfinance Effective Rate: 4% Source of Fund: BNM under Micro Enterprises Facility (MEF) iTEKAD BangKIT Microfinance Effective Rate: 0% Source of Fund: BIMB’s social fund
Committed Approval Time² (upon receipt of full documentation)	6 working days
Committed Disbursement Time	4 working days (upon completion of pre-disbursement training)
Eligible Economic Sector	All sectors
Eligibility Criteria to Apply	Micro enterprises Malaysians Micro Enterprises residing in Malaysia that holds a minimum of 51% shareholding Registered with the Companies Commission of Malaysia (CCM), authorities/district offices in Sabah and Sarawak or statutory bodies for professional service providers Having business plan projecting positive cash flow to repay the loan Additional eligibility criteria: iTEKAD Maju Microfinance: Age between 21 and 60 years Minimum 1 year in business iTEKAD BangKIT Microfinance: Aged between 18 and 60 years old Minimum 6 months in business
Common Documents Required	Applicant identity card Complete set of Application Form Proof of income (e.g. income tax form B, latest 6 months bank statement) Proof of business operation (e.g. business registration) Utilities bill Other relevant documents
Application Procedures	Visit branches that display Email to [email protected]
Public Hotline Numbers	Contact Centre & Customer Care 03-26900 900

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

Bank Muamalat

Product Name	Muamalat Term Financing (Tawaruq) (BNM Micro) (Islamic)
Loan/Financing Size	RM5,000 – RM50,000
Purpose of Financing	Working capital
Tenure	Up to 7 years (up to age 65 years)
Financing Rate (Per Annum)¹	Flat Rate: Up to 5.25% (equivalent to Effective Rate of up to 9.58%¹)
Committed Approval Time² (upon receipt of full documentation)	6 working days
Committed Disbursement Time	5 working days³
Eligible Economic Sector	All sectors
Eligibility Criteria to Apply	Pensioners Army Pensioners wife (with monthly allowance) Government Pensioners under scheme A Minimum 3 years in operation; OR Existing Current Account Customer with at least 6 months relationship Note: Monthly instalment must not exceed allowance/pension amount, and payment must through BMMB
Common Documents Required	Business registration Latest income tax declaration (if any) Copy of latest 6 months bank statement Other relevant documents
Application Procedures	Visit branches that display
Public Hotline Numbers	03-2600-5500

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

Maybank & Maybank Islamic

Product Name	SME Micro Financing (Conventional) SME Micro Financing-i (Islamic) SME Online Micro Financing (Conventional) SME Online Micro Financing-i (Islamic) NMES-SME Micro Financing (Conventional) NMES-SME Micro Financing-i (Islamic) EMES-SME Micro Financing (Conventional) EMES-SME Micro Financing-i (Islamic)
Loan/Financing Size	RM3,000 – RM50,000
Purpose of Financing	Working capital
Tenure	1 – 5 years
Financing Rate (Per Annum)¹	Effective rate: 8.5% – 12.5% (MEF) Source of fund: BNM under Micro Enterprises Facility (MEF)
Committed Approval Time² (upon receipt of full documentation)	1 – 5 working days
Committed Disbursement Time	2 – 4 working days³
Eligible Economic Sector	All sectors / selected sectors based on products
Eligibility Criteria to Apply	Micro enterprises Companies registered with Companies Commission of Malaysia (CCM) / have license from Local Authority/ District Offices (for Sabah & Sarawak) or Operation Permit -including sole proprietors/ partnerships/ private limited companies Minimum 1 year in operation Aged between 21-60 years (SPP) & 21 – 65 years old (Sdn Bhd) At least 2 years banking relationship (borrowing & non-borrowing) with Maybank & 3 years with other FIs
Common Documents Required	Proof of income (e.g. bank statement of latest 6 months, income tax return) Business registration Latest 2 years financial statements (audited account/ management account) Other relevant documents Application via online For existing Maybank SME customers: no documents are required For new SME customers to Maybank: NRIC / passport for all Company Directors and owners, 6 months bank statement and business license (Sabah & Sarawak only)
Application Procedures	1. Visit branches & Commercial Business Centre that display 2. Online application via Maybank2u
Public Hotline Numbers	Customer Service (24 hours): 1-300-80-8668

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

Public Bank & Public Islamic

Product Name	Conventional FL/MEF 2024 FL/MEF 2024 (GGSM-Focus) FL/MEF 2024 (GGSM2-Focus2) FL/MEF 2024 (GGSM2) FL/MEF 2024 (GGSM) Islamic TF-i/BAE BNM MEF-i 2024 TF-i/BAE BNM MEF-i 2024 (GGSM-Focus) TF-i/BAE BNM MEF-i 2024 (GGSM) TF-i/BAE BNM MEF-i 2024 (GGSM2) TF-i/BAE BNM MEF-i 2024 (GGSM2-Focus)
Loan/Financing Size	RM3,000 – RM100,000
Purpose of Financing	Working capital Capital expenditure
Tenure	Up to 7 years
Financing Rate (Per Annum)¹	Effective Rate: from SBR+5.47% / BLR+1.75% @ 8.47% Source of fund: Micro Enterprises Facility (MEF) under BNM’s Fund for SME
Committed Approval Time² (upon receipt of full documentation)	6 working days
Committed Disbursement Time	4 working days³
Eligible Economic Sector	All sectors
Eligibility Criteria to Apply	Micro enterprises Companies registered with Companies Commission of Malaysia (CCM) / have license from Local Authority/ District Offices (for Sabah & Sarawak) or Operation Permit - including sole proprietors/ partnerships/ private limited companies Self-employed individuals Gig workers on digital platforms Participants of iTEKAD programme Aged between 21– 60 years old
Common Documents Required	Applicant's identity card Proof of business operations (e.g. business registration / license / permit) Proof of income (e.g. latest 6 months bank statement or latest Form B with tax receipt) Other relevant documents
Application Procedures	1. Visit branches that display 2. Online application via imSME website (imsme.com.my)
Public Hotline Numbers	03-2170 8000

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

RHB Bank Berhad & RHB Islamic Bank Berhad

Product Name	BizPower SME PINTAS – PLM Term Loan (TL)  BizPower SME UBF PINTAS-I PFM Commodity Murabahah Term Financing-I (CMTF-i)
Loan/Financing Size	RM50,000 to RM100,000
Purpose of Financing	Working capital
Tenure	3-7 years
Financing Rate (Per Annum)¹	Maximum BLR/BFR +2% (inclusive of SJPP guarantee fee)
Committed Approval Time² (upon receipt of full documentation)	6 working days
Committed Disbursement Time	4 working days³
Eligible Economic Sector	All sectors
Eligibility Criteria to Apply	Micro enterprises Companies registered with Companies Commission of Malaysia (CCM)/ have license from Local Authorities/ District Offices (for Sabah & Sarawak) or Operation Permit - including sole proprietors/ partnerships/ private limited companies Min 3 years in operation Up to 70 years old upon expiry of financing tenure or full loan / financing repayment / payment
Common Documents Required	Proof of income (e.g. bank statement of latest 6 months) Proof of Business Operation Business registration Other relevant document
Application Procedures	Online application via RHB website
Public Hotline Numbers	03-9206 8118

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

United Overseas Bank

Product Name	UOB Personal Loan (Conventional)
Loan/Financing Size	RM5,000 – RM50,000
Purpose of Financing	Working capital Capital expenditure
Tenure	1 – 5 years
Financing Rate (Per Annum)¹	Flat rate: 9.99% – 11.99% (equivalent to Effective Rate of 16.64% – 19.48%¹) Source of Fund: Internal Fund
Committed Approval Time² (upon receipt of full documentation)	4–5 working days
Committed Disbursement Time	2 – 4 working days³
Eligible Economic Sector	All sectors
Eligibility Criteria to Apply	Self-employed individuals Age between 21 – 55 years old Minimum of RM36,000 yearly income Minimum 2 years consecutively in the same business
Common Documents Required	Applicant’s identity card Form 9 & Form 24 or Business Registration Certificate Latest Form B/BE - with tax receipt Latest 6 months bank statements reflecting business turnover
Application Procedures	1. Visit branches that display 2. UOB website (www.uob.com.my)
Public Hotline Numbers	Kuala Lumpur 03-2612 8121 Penang 04-240 1121 Johor Bahru 07-288 1121 Kuching 082-287 121 Kota Kinabalu 088-477 121

¹ Estimated based on assumption that the tenure of loan/financing is 7 years

² Approval time refers to number of working days upon receipt of complete documentation from the applicants until approval of loan/financing by the FI.

³ Disbursement time refers to number of working days from acceptance of all parties (e.g., borrower, guarantor) of the relevant legal documentation and/or completion of training until disbursement of loan/financing.

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