Tabung Khas Pelancongan (TKP)
Tabung Khas Pelancongan (TKP) is a financing programme to support the tourism industry in Malaysia.
Purpose
- Asset acquisition
- Working Capital
Eligibility
- Small and Medium company (minimum of 60% Bumiputera equity ownership) and registered under the Companies Commission of Malaysia or Co-operative Act 1993.
- Registered with Ministry of Tourism, Arts and Culture (MOTAC) or recognized by MOTAC or endorsed as a tourism project by Jawatankuasa Pinjaman Tabung Pelancongan (JKPTP), MOTAC.
- Shareholders fund of not more than RM10.0 million.
- Existing customer of SME Bank or minimum 2 years in operations.
Nature of Projects
Registered with MOTAC or recognized by MOTAC or endorsed as tourism project by JKPTP, MOTAC. Priority shall be given to the following types of projects:-
- Expanding and renovating tourism lodging places such as hotels, motels, homestay (registered with MOTAC), chalet, lodge and others other related tourism project which is registered with MOTAC.
- Provide tourism related transport services such as coach, self-driven car rental, ferry, boat, hydrofoil etc.
- Provide tourism related facilities such as souvenirs and hand-craft centers, duty-free shop, recreation equipment's at tourism area such as marina equipment, bicycle, boat and others excluding golf equipment.
- Working capital for tourism related activities.
Financing Facility(ies)
- 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: RM50,000.00
- Maximum: RM5.0 million
Profit Rate
- 4.0% - 5.5% p.a
Margin of Financing
- Asset acquisition: Up to 90%
- Working capital: Up to 100%
Financing Tenure
| Type | Minimum | Maximum | Grace Period |
| Asset Acquisition | 3 years | 10 years | Up to 2 years |
| Working Capital | 2 years | 5 years | Up to 1 year |
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 (PDS)
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