SME Bank

The tourism industry is one of the key contributors to the nation’s economic growth. PENJANA Tourism Financing (PTF) is introduced as part of the Government’s efforts to aid the tourism sector. PTF is to support SMEs by preserving their capacity and assisting them to undertake the necessary investments to adjust and remain viable post COVID-19. Grab this opportunity to sustain your business through PTF with no collaterals.

  • Working capital and/or
  • Capital expenditure
  • Malaysian SMEs in the core tourism and tourism-related sectors which are either:
    • SMEs as defined by SME Corp Malaysia; or
    • Licensed by/registered with MOTAC.
  • The eligible sectors are as follows:
    • Core tourism:
      • Tourism accommodation premises (e.g. budget hotels, registered homestays, chalets and resorts)
      • Travel agencies & tour operators; and
      • Transportation for tourists (e.g. bus, boat and car rental operators)
    • Tourism-related sectors:
      • Medical tourism
      • MICE (Meetings, Incentives, Conference, Exhibitions) ecosystem
      • Money services businesses (MSB) – applicable to money changing operators who mainly serve inbound and outbound tourists; and
      • Tourism-related retail, recreation and wellness that can justify significant reliance on tourists.
  • Special Relief Facility (SRF) and PENJANA SME Financing (PSF) recipients are not eligible for the PTF.
Financing Concept
  • Commodity Murabahah Term Financing-i (CMTF-i)
  • Commodity Murabahah Revolving Financing-i (CMRF-i) 
  • Ijarah Thummal Bai’ Financing (ITB)
Financing limit
  • Up to RM300,000 per SME
  • Up to 7 years including 6 months moratorium
Profit Rate
  • 3.5% p.a (inclusive of guarantee fee)
Product Disclosure Sheet


Any further enquiries, please contact our Customer Service Centre at 03-2603 7700