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Penjana Tourism Financing (PTF)

PENJANA Tourism Financing (PTF) is aimed to support SMEs in the tourism sectors by preserving their capacity and assisting them to undertake the necessary investments to adjust and remain viable post-COVID-19.


  • Working capital and/or
  • Capital expenditure
  • Refinancing of up to 50% of total financing approved


  • 50% of financing approved can be used to refinance existing business financing (existing business financing excludes financing obtained under BNM’s Fund for SMEs).


  • Malaysian SMEs in the core tourism and tourism-related sectors which are either:
    • SMEs as defined by SME Corp Malaysia; or
    • Licensed by/registered with MOTAC.
  • The eligible sectors are as follows:
    • Core tourism:
      • Tourism accommodation premises (e.g. budget hotels, registered homestays, chalets and resorts)
      • Travel agencies & tour operators; and
      • Transportation for tourists (e.g. bus, boat and car rental operators)
    • Tourism-related sectors:
      • Medical tourism
      • MICE (Meetings, Incentives, Conference, Exhibitions) ecosystem
      • Money services businesses (MSB) – applicable to money changing operators who mainly serve inbound and outbound tourists; and
      • Capacity building institutions which are primarily set up to provide tourism related courses/training and licensed by or registered with MOTAC
      • Tourism-related retail, recreation and wellness that can justify significant reliance on tourists.

Special Relief Facility (SRF) and PENJANA SME Financing (PSF) recipients are eligible for the PTF.

Financing Facility(ies)

  • Commodity Murabahah Term Financing-i (CMTF-i)
  • Revolving Credit-i (RC-i)
  • Cash Line-i (CL-i)
  • Ijarah Thummal Bai' (ITB) Financing

Financing limit

  • Up to RM75,000 per Micro enterprise
  • Up to RM500,000 per SME


  • A collective financing limit is applicable for SMEs with common shareholder(s) of equal to or more than 20% shareholding.

Profit Rate

  • Up to 3.5% p.a (inclusive of guarantee fee).

Margin of Financing

  • Up to 80% for machinery/equipment
  • Up to 100% for Working Capital


  • Up to 7 years including 6 months moratorium


  • Up to 80% guarantee cover from Syarikat Jaminan Pembiayaan Perniagaan (SJPP);
  • Personal guarantees/ joint and several guarantees/ corporate guarantees
  • No other collateral shall be imposed for this facility.


  • Takaful/insurance coverage is mandatory if the asset is given as security for the financing (if applicable). You have the option to select the service offered by our panel Takaful operators or non-panel Takaful operators.

Required Documents for Online Applications

  • Past Financial Statement available (Latest Management Account); OR latest 6 months bank’s statements.
  • Copy of NRIC (Customer and/or partners).
  • Business Registration Document.
  • Trading License (for businesses operating in Sabah & Sarawak).
  • Partnership Mandate Letter.

Product Disclosure Sheet

Any further enquiries, please contact our Customer Contact Centre at 03-2603 7700 or email

SME Technology Transformation Fund (STTF)


Expand your business through the adaption of technology & digital and automation with STTF.

Social Enterprise Financing Scheme


Financial assistance aimed at Basic Social Enterprises and Accredited Social Enterprises recognised by Kementerian Pembangunan Usahawan Dan Koperasi (KUSKOP) to finance the acquisition of asset and/or working capital requirements.

Jaguh Serantau


A financing programme to support Bumiputera SMEs with the potential to become regional champions.