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It is a guarantee issued by the Bank to the Beneficiary (contract awarder/third party) where the Bank undertakes to pay the Beneficiary an agreed sum if the Customer defaults in fulfilling the obligations with the Beneficiary.

Shariah Concept

The Shariah concept applicable for this product is Kafalah. Kafalah refers to a contract where the guarantor (Bank) conjoins the guaranteed party (Customer) in assumning the latter’s specified liability. The guarantor shall impose ujrah (fee) for providing the Kafalah service.

Download Kafalah Bank Guarantee (KBG)

Product Disclosure Sheet

OUR OFFERINGS

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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MySMExport

MySMExport

MySMExport is your ticket to penetrate the global market and become a significant contributor to the country’s economic growth. MySMEXport financing will enable you to purchase new fixed assets, working capital or access to trade facilities with commercial banks.
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