Dana Kemampanan PMKS Bumiputera 2.0 (DKPB 2.0)
Dana Kemampanan PMKS Bumiputera 2.0 (DKPB 2.0) is a financing programme aimed to assist Bumiputera Micro, Small and Medium Enterprises (MSMEs) to elevate their business to a higher level in terms of production capacity, market penetration and competitiveness.
Purpose
- Machinery / equipment acquisition; and / or
- Working Capital
Eligibility
- Micro, Small and Medium Enterprises (MSMEs) as defined by SME Corp, including Cooperative.
- Registered with Suruhanjaya Syarikat Malaysia (SSM), or authorities / district offices (for Sabah and Sarawak), or statutory bodies for professional service providers.
- At least 51% of its equity shareholding, board of directors and senior management position are held by Bumiputera.
- Shariah-compliant business.
- Minimum 2 years in operation, including commencement of the business by the previous owner or conversion / upgrade from Sole Proprietorship / Partnership.
Financing Facilities
- Commodity Murabahah Term Financing-i (CMTF-i)
- Ijarah Thummal Bai` (ITB) Financing
- Revolving Credit-i (RC-i)
- Cash Line-i (CL-i)
Financing Limit
- Minimum : RM100,000
- Maximum : RM3.0 million
Profit Rate
- 5.0% p.a.
Margin of Financing
- Asset Acquisition:
- Up to 80% (New)
- Up to 70% (Used / Refurbish / Recon / Rebuilt)
- Working Capital : Up to 100%
Financing Tenure
- Asset Acquisition: 7 years (incuding 6 months moratorium or grace period)
- Working Capital: 5 years (including 6 months moratorium or grace period)
Collateral
- Any collateral acceptable by the Bank as per SME Bank's policy.
- Personal guarantees / joint and several guarantees.
Takaful
- Takaful / insurance coverage is mandatory if the asset is given as security for the financing (if applicable). You have the option to select the service offered by our panel Takaful operators or non-panel Takaful operators.
Fees and Charges
Product Disclosure Sheet
SME Bank is now available to accept online financing applications Apply Now
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