PENJANA Tourism Financing (PTF)
To support the recovery and growth of micro, small and medium enterprises (MSMEs) in tourism-related sectors.
Purpose
The financing obtained is to be used for:
- Working capital and/or
- Capital expenditure
The financing shall not be used for the following activities:
- Refinancing of existing credit/ financing facilities;
- Purchase of shares;
- Purchase of land/ real estate and property for investment (i.e. not for business use or generation of income from tourism activity);
- Property development (i.e. planning, building and managing real estate with the objective of selling or leasing the developed property);
- Investment by investment holding companies;
- Activities where the stock in trade is money (including credit, leasing, factoring and insurance businesses);
- Gambling, alcohol, tobacco or other similar activities/ products; and
- Non-Shariah compliant activities
Eligibility
The financing may be used by Malaysian MSMEs, with at least 51% shares held by Malaysian, in any tourism-related sectors or activities and/or MSMEs that are licensed/ registered with the Minister of Tourism, Arts and Culture (MOTAC).
Eligible tourism sectors or activities include, but are not limited to, those listed in the National Tourism Policy 2020- 2030:
- Ecotourism;
- Adventure tourism;
- Youth tourism;
- Sports tourism;
- Cultural and heritage tourism;
- Community-based tourism;
- Island tourism;
- Coastal tourism;
- Urban tourism
- Shopping tourism;
- Medical and wellness tourism;
- Meetings, incentives, conventions and exhibitions (MICE) tourism;
- Cross-border tourism;
- Rural/ agro tourism;
- Cruise tourism;
- Special interest tourism; and
- Muslim-friendly tourism
The tourism sectors or activities cited above serve as non- exhaustive guidance only and are accurate as of the publication date. However, it is advisable to refer directly to the National Tourism Policy document published by MOTAC for the most current information.
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 RM500,000 per MSME, where:
- The financing obtained under the Facility is subject to the maximum aggregate amount of financing under BNM’s Fund of RM5 million for any related MSMEs with common shareholder(s), unless the related MSMEs have different workforces.
Profit Rate
- For financing approved by 31 December 2025, up to 3.5% p.a., inclusive of guarantee fee.
- For financing approved after 31 December 2025, BNM will review and communicate any changes to the financing rate based on prevailing market conditions.
Margin of Financing
- Up to 80% for machinery/equipment
- Up to 100% for Working Capital
Tenure
Up to seven (7) years
Collateral
- Guarantee cover from Syarikat Jaminan Pembiayaan Perniagaan (SJPP) or Credit Guarantee Corporation Malaysia Berhad (CGC);
- Personal guarantees/ joint and several guarantees/ corporate guarantees
- No other collateral shall be imposed for this facility.
Takaful
- 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.
Fees & Charges
Product Disclosure Sheet

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