Microfinance

• Working capital
• Capital expenditure

• 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

• 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

• HQ +603-2731 1600 ext: 2033 / 2034 / 2035 / 2036 / 2041 / 2064 / 2042
• Kuala Lumpur +603-2691 2754
• Shah Alam +603-5519 8250
• Melaka +606-281 1495
• Seremban +606-763 9541
• Butterworth +604-331 4539
• Johor Bahru +607-234 4761
• Ipoh +605-254 8742
• Alor Setar +604-733 2545
• Kuala Terengganu +609-622 2044
• Kota Bharu +609-748 1211
• Kuantan +609-515 8164
• Kota Kinabalu +6088-288 288
• Kuching +6082-410 126

• 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)

• Working capital
• Capital expenditure

Skim Pembiayaan Mikro-i (MUsK) (Modal Usahawan Kecil), Skim Pembiayaan Mikro-i (MUsK) MEF, Skim Pembiayaan Mikro-i (MUsK) Individu (MIND) & Skim Pembiayaan Mikro-i (MUsK) Tanpa Panel
Flat Rate: 4.00% - 14.55%
(equivalent to Effective Rate of 7.42% - 24.08%¹)

BRPlus Financing-i (BRPlus-i) & Pembiayaan Mikro Rakyat2E (Rakyat 2E)
Flat Rate: 7.50%
(equivalent to Effective Rate of 13.36%¹)

Micro-BRJohorniaga-i
Flat Rate: 9.5%
(equivalent to Effective Rate of 15.12%¹)

• Services
• Retailing & trade
• Manufacturing
• Agriculture

• Micro enterprises 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 to 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) Individu (MIND)

• 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

Micro-BRJohorNiaga-i

• Must obtained prior approval from Perbadanan Usahawan Johor (PUJB) via registration on Pusat Data Usahawan Johor (PADU) system

• 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

1. Visit Bank Rakyat branches & Business Banking Centres (BBC) that display

2. Online application via Quick Response to Entrepreneur (QR2E) online portal (qr2e.bankrakyat.com.my)

• Headquarters +603-2612 9600
• Business Banking Centre (BBC) Direct Line
  • Kuala Lumpur +603-2600 4751
  • Selangor +603-5519 8427 / 5512 6124 / 5512 6560 / 5510 1630
  • Melaka / Negeri Sembilan +606-231 0498 / 231 0684 / 231 0262
  • Kedah / Perlis / Pulau Pinang +604-440 4685 / 444 6743 / 444 5245 / 444 7613
  • Kelantan / Terengganu +609-764 2436 / 764 3265 / 764 8684 / 764 8045
  • Perak +605-528 0757 / 528 0679 / 528 0504
  • Johor +607-244 6481 / 244 8547 / 244 7316 / 244 7179
  • Pahang +609-513 3432 / 513 5517 / 513 3521 / 513 2976
  • Sabah +6088-763 525 / 764 525 / 765 525 / 766 525
  • Sarawak +6082-612 594 / 614 045 / 614 154 / 614 519
• Contact Centre 1300-80-5454

• BSN Micro/i TemaNiaga (Conventional & Islamic)
• BSN Micro/i TemanMesra (Conventional & Islamic)
• BSN Micro/i Kasih
  (Conventional & Islamic)
  1. BSN Micro/i Kasih-Nita
  2. BSN Micro/i Kasih-Belia
  3. BSN Micro/i Kasih
  4. BSN Micro/i Kasih-Bumiputera
  5. BSN Micro/i Kasih-Bumiputera Sabah/Sarawak
  6. BSN Micro/i Kasih-Veteran
  7. BSN Micro/i Kasih-Taska
• BSN Micro/i Penjaja Kasih
  (Conventional & Islamic)
  1. BSN Micro/i Penjaja Kasih-Bumiputera
  2. BSN Micro/i Penjaja Kasih-Bukan Bumiputera
  3. BSN Micro/i Penjaja Kasih-Muda
• BSN Micro-i Hasanah (Islamic)
• BSN Micro-i Cashline (Islamic)

• Working capital
• Capital expenditure
• Renovations

BSN Micro/i TemaNiaga, BSN Micro/i TemanMesra & BSN Micro-i Hasanah

• 1 – 5 years

BSN Micro/i Kasih & BSN Micro/i Penjaja Kasih

• Up to 5.5 years (including moratorium for the first six 6 months of monthly instalment)

BSN Micro-i Cashline

• Up to 5 years (subject to annual review)

BSN Micro/i TemaNiaga

• Flat Rate: 6.38% – 17.00%
  (equivalent to Effective Rate of 11.48% – 27.50%¹)

BSN Micro/iTemanMesra

• Flat Rate: 6.38% – 14.00%
  (equivalent to Effective Rate of 11.48% – 23.25%¹)

BSN Micro/i Kasih & Micro/i Penjaja Kasih

• Flat Rate: 4%
  (equivalent to effective rate of 7.42%¹)

BSN Micro-i Hasanah

• 0%

BSN Micro-i Cashline

• Standardised Base Rate (SBR) + 7.95%

• Services
• Retailing / wholesale
• Manufacturing

• Micro enterprises / self-employed including professional
• 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 Micro/i Kasih, BSN Micro/i Penjaja Kasih and BSN Micro-i Hasanah)
• Passed credit record checking with BSN and other institutions

Additional eligibility criteria:
BSN Micro/i Kasih

• BSN Mikro/i Kasih-Nita: Micro enterprise business owned by women
• BSN Mikro/i Kasih-Belia: Micro enterprise business owned by youth aged 30 years old or younger
• BSN Mikro/i Kasih-Umum: Micro enterprise business
• BSN Mikro/i Kasih-Bumiputera: Micro enterprise business owned by Bumiputera
• BSN Mikro/i Kasih-Bumiputera Sabah/Sarawak: Micro enterprise business owned by Bumiputera Sabah/ Sarawak
• BSN Mikro/i Kasih-veteran: Micro enterprise business owned by veterans from government sectors (i.e., retirees of government uniform bodies)
• BSN Mikro/i Kasih-Taska: Micro enterprise business that runs childcare services or nursery business

BSN Micro/i Penjaja Kasih - For food truck, road stall owners, hawkers, food court operators etc

• BSN Micro/i Penjaja Kasih-Bumiputera: Micro business owned by Bumiputera
• BSN Micro/i Penjaja Kasih-Bukan Bumiputera: Micro business owned by non-Bumiputera
• BSN Micro/i Penjaja Kasih-Muda: Micro business owned by youth aged 30 years old or younger

BSN Micro-i Hasanah

• Eligible B40 including Phase 1 graduates of iTEKAD programme

• 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 Micro/i Kasih, BSN Micro/i Penjaja Kasih and BSN Micro-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:

BSN Mikro/i Kasih- Bumiputera Sabah/Sarawak

• NRIC / any document to prove Sabah / Sarawak bumiputera

BSN Mikro/i Kasih-Veteran

• Pensioner card / pension payment statement / any document to prove status of pensioner of government uniformed body.

BSN Mikro/i Kasih-Taska

• Informal care centre: CCM Business registration certificate
• Formal care centres:
  • CCM Business registration certificate / ROS / Business license with local authority (LA) / Jabatan Kebajikan Masyarakat (JKM)
  • Meet standard requirements by JKM
  • Valid technical license e.g., fire and rescue department, health department, land and survey department

BSN Micro/i Penjaja Kasih

• Quotation of purchase for the purpose of upgrading business

1. Visit BSN branches and Micro Finance Centres that display

2. Online application via BSN website (www.bsn.com.my/BusinessBanking) and imSME website (imsme.com.my)

• Kuala Lumpur:
  03-21623222 ext. 71714
• Sabah:
  088-355600 ext. 76610
• Sarawak:
  082-227888 ext. 76008
• Kedah:
  04-7740444 ext. 73062
• Kelantan:
  09-7457070 ext. 75109
• Selangor:
  03-55433000 ext. 72206
• Johor:
  07-2083555 ext. 74007
• Pahang:
  09-5650565 ext. 50532
• Terengganu:
  09-6200400 ext. 75265
• Melaka:
  06-2895800 ext. 74103
• Penang:
  04-2226400 ext. 73107
• Perak:
  05-2452222 ext. 73207
• Negeri:
  06-7686500 ext. 74208

• Cash Vantage Personal Financing-i (Islamic)
• Cash First Personal Loan (Conventional)

• Working capital
• Capital expenditure

Flat Rate: 9.78% – 15.28%
(equivalent to Effective Rate of 16.93% – 25.08%¹)

• Self-employed individuals
• Has valid business registration
• Age between 21 – 65
• Minimum 2 years in current line of business

• Applicant's identity card
• Proof of business operations (e.g. business registration / license / permit)
• Proof of income by copy of latest 6 months bank statement; latest Borang B verified against tax receipt;  OR latest EPF Statement
• Other relevant documents

• Selangor +603-5516 9988

AmBank

• AmMicro Enterprises Facility (Conventional)

AmBank Islamic

• AmMoneyLine Facility-i (Islamic)

AmMicro Enterprises Facility

• RM5,000 - RM50,000

AmMoneyLine Facility-i

• RM2,000 - RM50,000
• Up to RM10,000 (for iTEKAD participants)

• Working capital
• Capital expenditure

AmMicro Enterprises Facility

• 1 – 5 years

AmMoneyLine Facility-i

• 1 – 7 years

AmMicro Enterprises Facility

• Effective Rate: from Base Lending Rate (BLR) + 2%

AmMoneyLine Facility-i

• Flat Rate: 8.00% – 11.99%
  (equivalent to Effective Rate of 14.13% – 21.55%¹)

AmMicro Enterprises Facility

• Micro enterprises
• Companies registered with Companies Commission of Malaysia (CCM)
• 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

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)

Visit Ambank branches that display

Online application via AmOnline

+603-2178 3188

iTEKAD Maju Microfinance (Islamic)

iTEKAD BangKIT Microfinance (Islamic)

iTEKAD Maju Microfinance

• RM10,000 - RM50,000

iTEKAD BangKIT Microfinance

• RM5,000 – RM20,000

• Working capital
• Capital Expenditure

iTEKAD Maju Microfinance

• 1 - 5 years

iTEKAD BangKIT Microfinance

• 6 months - 3 years

iTEKAD Maju Microfinance

• Effective Rate: 4%

iTEKAD BangKIT Microfinance

• Effective Rate: 0%

• 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

• Applicant's 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

Visit branches that display

Email to microfinance@bankislam.com.my

Contact Centre & Customer Care +603-26900 900

Xpress Cash Financing-i (Islamic)

• Working capital
• Capital expenditure

Flat Rate: 18% – 21%
(equivalent to Effective Rate of 28.88% – 32.92%¹)

• Self-employed individuals
• Age between 21 – 60 years old
• Minimum gross monthly income of RM800
• Employment more than 6 months / active in business for more than 6 months

• Applicant's identity card
• Proof of business operations (e.g. business registration / license / permit)
• Proof of income (e.g. bank statement of latest 6 months)
• Other relevant documents

Visit CIMB branches

+603-6204 7788

Muamalat Term Financing (Tawaruq) (BNM Micro) (Islamic)

Working capital

Flat Rate: Up to 5.25%
(equivalent to Effective Rate of up to 9.58%¹)

• 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 3 years in operation
• Existing Current Account Customer with at least 6 months relationship

• Business registration
• Latest income tax declaration (if any)
• Copy of latest 6 months bank statement
• Other relevant documents

03-2600-5500

SME Micro Financing (Conventional)

SME Micro Financing-i (Islamic)

Working capital

Effective rate: 8.5% – 12.5% (MEF)

• 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

• 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)

1. Visit branches & Commercial Business Centre that display

2. Online application via Maybank2u

Customer Service (24 hours): 1-300-80-8668

• Micro Enterprises Facility (Conventional)
• Micro Enterprises Facility-i (Islamic)

• Working capital
• Capital expenditure

Flat rate: 15% – 18%
(equivalent to Effective Rate of 24.68% – 28.88%¹)

• Agriculture
• Services & trade
• Manufacturing

• 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
• Have valid business license / permit
• Business must be owner operated and on a full-time basis
• Have permanent residential address
• A minimum of 1 year in operation is preferred. Businesses with less than 1 year of operation will be evaluated on case-by-case basis

• 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)
• Utility bills
• Other relevant documents

1. Visit Public Bank branches that display

2. Online application via imSME website (imsme.com.my)

03-2170 8000

Working capital

Capital expenditure

Flat rate: 9.99% – 11.99%
(equivalent to Effective Rate of 17.26% – 20.30%¹)

• Self-employed individuals
• Age between 21 – 55 years old
• Minimum of RM36,000 yearly income
• Minimum 2 years consecutively in the same business

• 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

1. Visit UOB branches that display

2. UOB website (www.uob.com.my)

• Kuala Lumpur +603-2612 8121
• Penang +604-240 1121
• Johor Bahru +607-288 1121
• Kuching +6082-287 121
• Kota Kinabalu +6088-477 121