Skim Pembiayaan Ekonomi Desa (SPED)

Rural Economic Development Scheme (SPED) is a collaboration financing programme with Ministry of Rural Development aimed to provide Bumiputera SME entrepreneurs in rural areas the opportunity to sustain, expand and develop the business to the next level of success.

Purpose

Fixed Asset
Working capital

Eligibility

Business operated in rural area identified by KKLB.
Business must be 100% owned by Bumiputera.
The Company must be registered under the Companies Commission of Malaysia Act 2002 or Co-operative Societies Act 1993.
Business license obtained from local authority.
Business premise must be separate from residential

Financing Concept

Commodity Murabahah Term Financing-i (CMTF-i)
Commodity Murabahah Revolving Financing (CMRF-i)
Ijarah Thummulbai' (ITB)
Kafalah Bank Guarantee

Margin of Financing

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

Financing Limit

Up to RM250,000 per application (Note: Maximum per customer is RM500,000)

Financing Tenure

From 3 to 7 years (not inclusive of 6 months grace period)

Profit Rate

5% per annual

Collateral

Fixed asset to be financed
No collateral for working capital financing
Joint and several guarantees of directors/shareholders or corporate guarantee

Download SPED Brochure

SPED

Contract Financing A package of financing facilities for contractors.	MySMEBina Financing solutions for construction & infrastructure projects	MySMEBekal Financing solutions for supply and maintenance contract
MySMELady Empowering Women in Business	Special Fund for Tourism (SFT3) Diversify your offerings in the tourism industry through our Special Fund for Tourism 3 (SFT 3) financing	Business Accelerator Programme Assist SMEs in strenghtening their core business, building capicity and capability and facilitating access to financing
Subordinated Financing Programme Support to Empower & Sustain Bumiputera's Economy in Business	Rural Economic Development Scheme (SPED) Expand your business productivity with SPED	Small Business Financing (SBF) Working capital financing for entrepreneurs

Commodity Murabahah Term Financing-i (CMTF-i) Term financing for fixed asset acquisition and/or working capital and is calculated based on a fixed or variable rate basis.	Commodity Murabahah Revolving Financing-i (CMRF-i) Revolving financing for working capital purposes and is calculated based on a fixed or variable rate basis.
Ijarah Thummal Bai’ Financing (ITBF-i) Leasing facility for fixed asset acquisition and is calculated based on a variable rate basis.	Kafalah Bank Guarantee (KBG) 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. Adhoc Bank Guarantee

Skim Pembiayaan Ekonomi Desa (SPED)

Purpose

Eligibility

Financing Concept

Margin of Financing

Financing Limit

Financing Tenure

Profit Rate

Collateral

Download SPED Brochure

OUR OFFERINGS

MySMEBina

MySMEBekal

Supplementary Renewed Facility
(i-SURF)

i-Pembiayaan Premis Perniagaan

Skim Pembiayaan Ekonomi Desa (SPED)

Purpose

Eligibility

Financing Concept

Margin of Financing

Financing Limit

Financing Tenure

Profit Rate

Collateral

Download SPED Brochure

OUR OFFERINGS

MySMEBina

MySMEBekal

Supplementary Renewed Facility (i-SURF)

i-Pembiayaan Premis Perniagaan

Supplementary Renewed Facility
(i-SURF)