Pembiayaan Ekosistem Payung
Financing facility for Bumiputera participants under the Umbrella Financing Program, to start new business or diversify the existing businesses
Purpose
- Asset acquisitions (except land & building); and
- Working capital requirement
Eligibility
- Bumiputera MSMEs as defined by SME Corp.
- Registered with Suruhanjaya Syarikat Malaysia (“SSM”), or authorities/district offices (for Sabah and Sarawak), or statutory bodies for professional service providers
- Must be a Resident controlled Bumiputera MSMEs (minimum of 51% Malaysian equity ownership and 51% Malaysian directorship).
- Shariah-compliant business.
- Confirmation that the customer has been appointed/enrolled with selected Anchor under Umbrella Financing Program
Financing Facilities
- Commodity Murabahah Term Financing-i (CMTF-i)
- Ijarah Thummal Bai` (ITB) Financing
Financing Limit
- Minimum: RM50,000
- Maximum: RM1.0 million
Profit Rate
4.0% per annum
Margin of Financing
- Asset acquisitions: Up to 80%
- Working capital requirement: Up to 100%
Financing Tenure
- Asset acquisitions: Up to 7 years including grace period of not more than 12 months
- Working capital: Up to 5 years including grace period of not more than 12 months
Collateral
No collateral is required for this financing.
Takaful
For working capital financing involving purchase of stock (materials raw, semi-finished goods) shall be covered by Takaful coverage.
Fees and Charges
Product Disclosure Sheet
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