MySMELady is a financing program specifically for women entrepreneurs which includes asset acquisition and working capital requirement.


  • Asset acquisition (plant/machinery/equipment)
  • Working capital


  • Meets Small and Medium Enterprise (SME) definition.
  • ≥ 51% of the equity held by a woman/women OR CEO/MD is a woman that owns at least 10% of the equity.
  • The business is owner-operated.
  • Financing purpose and business activities must be in compliance with Shariah principles
  • Business is registered with SSM or other authorized authorities/ district offices or professional statutory bodies.
  • The Company has been in operations for at least one (1) year
  • Meet the eligibility criteria of SJPP’s guarantee schemes.

Financing Concept

  • ​Commodity Murabahah Term Financing-i (CMTF-i)

Margin of Financing

Asset Acquisition Up to 80%
Working Capital Up to 100%

Financing Limit

Minimum RM500,000
Maximum RM3,000,000

Financing Tenure

  • Up to 5 years

Profit Rate

For financing amount of up to RM1.0 million BFR + 0.0% (net after 2.0% subsidy by Government)
For financing amount exceeding RM1.0 million BFR + 2.0% p.a (without 2% subsidy by Government).


  • Up to 80% guarantee cover by Skim Jaminan Pembiayaan Perniagaan (SJPP)
  • Joint and several guarantees of directors/shareholders or corporate guarantee

Download MySMELady

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