Jaguh Serantau
Jaguh Serantau is a financing programme to support Bumiputera Small and Medium Enterprises (SME) with the potential to become regional champions by offering all types of financing as determined by SME Bank with a profit rate subsidy of 1.00% per annum by the Government.
Purpose
- Asset acquisition
- Working Capital
Eligibility
- Small and Medium Enterprises (SME) as defined by SME Corporation Malaysia (SME Corp) including Large Enterprise with 51% or more of the equity held by Bumiputera..
- Shariah compliant business.
- Product or services offered are having presence regionally or export-ready for regional market.
- The Company has been in operations for at least two (2) years.
- Minimum 5% annual revenue growth and profitable for the last two (2) years of operation (except for the financial year ended 2020 and 2021, which were adversely affected by the COVID-19 pandemic period/ Movement Control Order).
Financing Facilities
- Commodity Murabahah Term Financing-i (CMTF-i)
- Ijarah Thummal Bai' (ITB) Financing
Financing Limit
- Minimum : RM100,000.00
- Maximum : RM10.0 million
Profit Rate
- From BFR + 0.00% p.a to BFR + 2.50% p.a (net of 1.00% p.a profit rate subsidy)
Margin of Financing
Margin of Financing is subject to SME Bank’s prevailing policy as follows:
- Plant / Machinery / Equipment :
- New : Up to 80%
- Used / Refurbish / Recond : Up to 70%
- Boiler / Crane
- New : Up to 80%
- Used / Refurbish / Recond : Up to 70%
- Vehicle
- New : Up to 90%
- Used / Refurbish / Recond : Up to 70%
- Renovation
- Owned premise : Up to 70%
- Rental premise : Up to 50%
- Land : Up to 80%
- Building : Up to 90%
- Term Working Capital : Up to 100%
Financing Tenure
Financing Tenure is subject to SME Bank’s prevailing policy as follows:
- Machinery / Equipment / Vehicle
- New : Up to 7 years
- Used / Refurbish / Recond : Up to 5 years
- Renovation
- Owned Premise : Up to 7 years
- Rental Premise : Up to 5 years
- Plant / Boiler / Crane : Up to 10 years
- Land / Building : Up to 20 years
- Term Working Capital : Up to 5 years
Collateral
Collateral acceptable by the Bank as per SME Bank's policy.
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.
- For working capital financing involving purchase of stock (materials raw, semi-finished goods) shall be covered by Takaful coverage.
Fees & Charges
Product Disclosure Sheet
High Tech & Green Facility (HTG)

Designed to help SMEs and innovative start-ups to grow their businesses and invest in strategies and technologies fields for a sustainable and entrenched economic recovery.
Social Enterprise Financing Scheme

Financial assistance aimed at Basic Social Enterprises and Accredited Social Enterprises recognised by Kementerian Pembangunan Usahawan Dan Koperasi (KUSKOP) to finance the acquisition of asset and/or working capital requirements.
SME Technology Transformation Fund (STTF)

Expand your business through the adaption of technology & digital and automation with STTF.