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Dana Kemampanan PMKS Bumiputera 2.0 (DKPB 2.0)

Dana Kemampanan PMKS Bumiputera 2.0 (DKPB 2.0) is a financing programme aimed to assist Bumiputera Micro, Small and Medium Enterprises (MSMEs) to elevate their business to a higher level in terms of production capacity, market penetration and competitiveness.

Purpose

Machinery / equipment acquisition; and / or
Working Capital

Eligibility

Micro, Small and Medium Enterprises (MSMEs) as defined by SME Corp, including Cooperative.
Registered with Suruhanjaya Syarikat Malaysia (SSM), or authorities / district offices (for Sabah and Sarawak), or statutory bodies for professional service providers.
At least 51% of its equity shareholding, board of directors and senior management position are held by Bumiputera.
Shariah-compliant business.
Minimum 2 years in operation, including commencement of the business by the previous owner or conversion / upgrade from Sole Proprietorship / Partnership.

Financing Facilities

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 : RM100,000
Maximum : RM3.0 million

Profit Rate

5.0% p.a.

Margin of Financing

Asset Acquisition:
- Up to 80% (New)
- Up to 70% (Used / Refurbish / Recon / Rebuilt)
Working Capital : Up to 100%

Financing Tenure

Asset Acquisition: 7 years (incuding 6 months moratorium or grace period)
Working Capital: 5 years (including 6 months moratorium or grace period)

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

Click here for Fees & Charges

Product Disclosure Sheet

Dana Kemampanan PMKS Bumiputera 2.0 (DKPB 2.0)

Any further enquiries, please contact our Customer Contact Centre at 03-2603 7700 or email

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.