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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.


  • Machinery / equipment acquisition; and / or
  • Working Capital


  • 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)


  • Any collateral acceptable by the Bank as per SME Bank's policy.
  • Personal guarantees / joint and several guarantees.


  • 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.

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.


A financing programme aimed to assist Micro, Small and Medium Enterprises (MSMEs) for working capital requirement.

SME Technology Transformation Fund (STTF)


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