Financing to women entrepreneurs focusing on migrating micro entrepreneurs for business expansion and growth which includes asset acquisition and working capital with a sub-limit for debit card with partnering bank, Bank Islam Malaysia Berhad


  • Asset acquisition
  • Working capital


  • The business is owner-operated with at least 51% shareholding by women and is the key decision-maker
  • The Company has been in operations for at least two (2) years
  • The Company is at least 51% owned by Malaysian
  • Do not have adverse financial track records

Financing Concept

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

Margin of Financing

Fixed Asset Up to 90%
Working Capital Up to 100%

Financing Limit

Minimum RM100,000
Maximum RM1,000,000

Financing Tenure

Working Capital Up to 5 years
Fixed Asset Up to 7 years

Profit Rate

  • BFR + 2.0% p.a.


  • Fixed asset to be financed
  • 30% cash collateral – upfront and built up
  • Joint and several guarantees of directors/shareholders or corporate guarantee

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Product Disclosure Sheet





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