AllEconomic

Sectors

Primary Agriculture

Micro Enterprises

ObjectiveEnhance access to financing at reasonable cost for

SMEs in all economic sectorsFor More Information:

Log on to: www. bnm.gov.my

BNMTELELINK: 1-300-88-5465

bnmtelelink@bnm.gov.my

BNM’s FUND FOR SMEsGrowing Capacities & Capabilities

of SMEs with Affordable Financing

Application procedureApplication must be submitted through any participating financial institutions

(PFIs) and approval will be subjected to the normal credit assessment of the PFI.

All Economic Sectors Primary Agriculture Micro Enterprise

1. Capital expenditures; or/and

2. Working Capital

Purpose

1. Capital expenditures; or/and

2. Working Capital

Purpose

Application procedureApplication must be submitted through any participating financial institutions

(PFIs) and approval will be subjected to the normal credit assessment of the PFI.

Application procedureApplication must be submitted through any participating financial institutions

(PFIs) and approval will be subjected to the normal credit assessment of the PFI.

1. Capital expenditures; or/and

2. Working Capital and

Purpose

Max Financing

RM 5m

Max Tenure5 Years

Max Financing

Rate up to 8%

CriteriaSMEs including Bumiputera enterprises that fulfill the

following criteria:

• Registered with the Companies Commission of Malaysia (SSM), authorities/district offices in Sabah and Sarawak or statutory bodies for professional service providers;

• Shareholders’ funds not exceeding RM5 million;• Shareholding by Public Listed Companies and Government

Linked Companies (if any) shall not exceed 20%; and• Malaysians residing in Malaysia hold a minimum of 51%

shareholding in the SMEs.

CriteriaSMEs involved in the primary agriculture sector that

fulfill the following criteria:

• Registered with the Companies Commission of Malaysia (SSM) or authorities/district offices in Sabah and Sarawak;

• Shareholders’ funds not exceeding RM5 million; • Malaysians residing in Malaysia hold a minimum of 51%

shareholding in the SMEs; and• Business activities must be within Malaysia.

CriteriaMicro enterprises that fulfill the following criteria:

• Registered with the Companies Commission of Malaysia (SSM), authorities/district offices in Sabah and Sarawak or statutory bodies for professional service providers;

• Maximum shareholders’ funds not exceeding RM5 million; and• Malaysians residing in Malaysia that hold a minimum of 51%

shareholding in the SMEs.

3. Development of agricultural projects: • primary food production,

integrated agriculture and processing/distribution of food (end-to-end); and

• half of the total production is sold in the domestic market.

All

Commercial

and Islamic

Banks

CGC

Development

Financial

Institutions

All

Commercial

and Islamic

Banks

CGC

Development

Financial

Institutions

PARTICIPATING FINANCIAL INSTITUTIONS

1. Alliance Bank Malaysia Berhad;

2. AmBank (M) Berhad;

3. Bank Kerjasama Rakyat Malaysia Berhad;

4. Bank Muamalat Malaysia Berhad;

5. Bank Pertanian Malaysia Berhad (Agrobank);

6. Bank Simpanan Nasional;

7. CIMB Bank Berhad;

8. Public Bank Berhad;

9. Malayan Banking Berhad; and

10. United Overseas Bank (Malaysia) Berhad

Financing

Rate

determined

by PFIs

Max

Financing

RM50,000

Max.

Tenure

5 years

No

Collateral

MaxFinancing

RM 5m

Max Financing

Rate3.75% p.a.

MaxTenure8 Years