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ITBF-i is a leasing facility for fixed asset acquisition and is calculated based on a fixed or variable rate basis.

Shariah Concept

The Shariah concept applicable for this product is Ijarah Thummal Bai’. It refers to an Ijarah (Leasing) contract to be followed by Bai’ (Sale). Under the first contract, the Bank as owner leases out an asset to the customer as hirer at an agreed rental payment over a specified period. Upon expiry of the leasing period, the hirer enters into a second contract to purchase the asset from the owner at an agreed price.

Download Ijarah Thummal Bai’ Financing (ITBF-i)

Product Disclosure Sheet

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MySMEBina

MySMEBina

MySMEBina is a financing programme for construction and infrastructure projects awarded by Federal Government, State Government, Government Link Companies (GLCs) and its subsidiaries.
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MySMEBekal

MySMEBekal

MySMEBekal is a complete short term financing programme to supply or maintain the contract awarded by Federal Government, State Government, Government Agencies, Government Link Companies (GLC) and its subsidiaries.
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Supplementary Renewed Facility <br />(i-SURF)

Supplementary Renewed Facility
(i-SURF)

i-SURF is an automatic additional financing of working capital for SME Bank’s existing customers who have collateral of property and / or Sijil Pelaburan Am Mudharabah/ Fixed Deposit charged/ pledged to the bank and have shown good repayment records.
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SME Digitalisation Initiative

SME Digitalisation Initiative

Grant initiative provided for SMEs to adopt Digitalisation in business operations.
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