MySMELady is a financing program specifically for women entrepreneurs which includes asset acquisition and working capital requirement.

Purpose

• Asset acquisition (plant/machinery/equipment)
• Working capital

Eligibility

• Meets Small and Medium Enterprise (SME) definition.
• ≥ 51% of the equity held by a woman/women OR CEO/MD is a woman that owns at least 10% of the equity.
• The business is owner-operated.
• Financing purpose and business activities must be in compliance with Shariah principles
• Business is registered with SSM or other authorized authorities/ district offices or professional statutory bodies.
• The Company has been in operations for at least one (1) year
• Meet the eligibility criteria of SJPP’s guarantee schemes.

Financing Concept

• ​Commodity Murabahah Term Financing-i (CMTF-i)

Margin of Financing

Asset Acquisition	Up to 80%
Working Capital	Up to 100%

Financing Limit

Minimum	RM500,000
Maximum	RM3,000,000

Financing Tenure

• Up to 5 years

Profit Rate

For financing amount of up to RM1.0 million	BFR + 0.0% (net after 2.0% subsidy by Government)
For financing amount exceeding RM1.0 million	BFR + 2.0% p.a (without 2% subsidy by Government).

Collateral

• Up to 80% guarantee cover by Skim Jaminan Pembiayaan Perniagaan (SJPP)
• Joint and several guarantees of directors/shareholders or corporate guarantee

Download MySMELady

Product Disclosure Sheet ​​MySMELady