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Akses Kepada PEmbiayaan oleh Institusi Pembangunan Kewangan

Kandungan program ini adalah sehingga April 2019. Butiran program, kriteria kelayakan dan fakta lain mungkin telah berubah. Untuk maklumat yang tepat, rujukan boleh dibuat kepada Kementerian dan agensi yang berkenaan.


Rural Development Financing-i Scheme (SPED)


Provision of financing for purchase of machinery & equipment, working capital and renovation or upgrading of premise for rural entrepreneurs in manufacturing, services, commercial agriculture and countryside tourism


Financing available RM20,000 –RM250,000 (in operation below 3 years)
RM250,000 –RM500,000 (in operation more than 3 years)
Financing allowed up to 3 times only
Financing tenure 3-5 years for loans below RM250,000
5-7 years for loans above RM250,000
grace period given of 6 months from disbursement
Service charge 5% annual rest


  1. The business is wholly (100%) Bumiputera-owned and registered with the Companies Commission of Malaysia.
  2. The operation of business is located in rural areas, i.e. outside the major cities and township of Petaling Jaya, Subang Jaya and Putrajaya. Business is also operated in designated business premise and not a residential premise.
  3. The entrepreneur is involved in the business/industry full-time and not above 60 years of age.
  4. The entrepreneur observes all government regulations including the codes on Food Hygiene Practice and Industrial Waste and the Environmental Pollution Act.

 • Bank Kerjasama Rakyat Division of Rural Entrepreneurship Development (BKRM) Menara 1, Menara Kembar Bank Rakyat, No. 33, Jalan Rakyat, 50470 Kuala Lumpur
Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) Menara SME Bank, Jalan Sultan Ismail, 50250 Kuala Lumpur
 • Bank Rakyat: 03 2612 9709
SME Bank: 1-800-88-3131
 • www.bankrakyat.com.my
Tabung Projek Usahawan Bumiputera-i (TPUB-i)
BizSME Scheme
Bumiputera Fund-i
Franchise Financing Scheme
i-Enterprise Premise Financing (i-EPF)
Skim Pembiayaan Kontrak - I
Entrepreneur Premises Programme
Dana Ekuiti Bumiputera (EquiBumi) & Skim Pembiayaan Ekuiti PKS Bumiputera (BASE)
Soft Loan Schemes for Service Sector (SLSSS)
Soft Loan Schemes for Automation and Modernisation (SLSAM)
Soft Loan for SMEs (SLSME)
Soft Loan for Bumiputera Automotive Entrepreneur (SLBAE)
Soft Loan Scheme For Services Capacity Development
Soft Loan Scheme For Services Exports
Skim Tabung Untuk Makanan-i (3F) – Fund for Food
Skim Masyarakat Perdagangan & Perindustrian Bumiputera-i (MPPB-i)
Skim Kredit Pengeluaran Makanan -i (SKPM-i)
Skim Perusahaan Kecil Sederhana -i (PKS-i )
Skim Pembiayaan Industri Padi -i (Paddy-i)
Skim Pertanian Bukan Makanan -i (SPBM-i)
Skim Pembiayaan Bot Perikanan -i (SPBP-i)
Program Agropreneur Muda -i (PAM-i)
Program Ruminan -i
Program Mekanisasi dan Automasi -i

Guarantee Scheme

BizJamin /i scheme


Provide guarantee to SMEs to support the growth of SMEs by facilitating their access to financing.


Financing Amount Minimum: RM50,000
Maximum: RM500,000
Guarantee Cover 100%
Interest Rate BLR as per RHB Bank Berhad + 0% p.a. (BLR + 0%)
Guarantee Tenure Maximum up to 5 years & all facilities offered are subject to annual review
Type of Financing Facility Term Loan and /or Overdraft
Guarantee Fee As low as 0.5%, up to a maximum of 5.75%
Participating Financier RHB Bank Berhad


  • Must be a Malaysian-controlled and Malaysian-owned (at least 51% shareholding) company or business
  • Meet National SME Development Council’s (NSDC) SME definition
  • The business must be in operations for at least one (1) year and complemented with the key person having at least three (3) years experience in a similar industry inclusive of the current business.

Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor
Tel : 03-7806 2300
BizMaju scheme
Flexi Guarantee Scheme (SME-All Economic Sectors)
Guarantee Schemes

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