Tabung Khas Pelancongan 3 (SFT3) ialah program pembiayaan untuk menyokong usaha kerajaan untuk mengembangkan industri pelancongan dikalangan PKS seterusnya menyumbang kepada pertumbuhan ekonomi negara.

Kelayakan

  • Berdaftar di bawah Akta Suruhanjaya Syarikat Malaysia 2001 atau Akta Koperasi 1993 (Pindaan 2007).
  • Memenuhi definisi Perusahaan Kecil dan Sederhana (PKS).
  • Syarikat telah beroperasi sekurang-kurangnya selama 2 tahun.
  • Sekurang-kurangnya 51% saham syarikat dimiliki oleh warganegara Malaysia.
  • Projek termasuk inap desa atau kraftangan perlu berdaftar dengan Kementerian Pelancongan, Seni & Budaya Malaysia atau disokong oleh Jawatankuasa Pinjaman Tabung Pelancongan (JKPTP).
  • Lokasi projek di dalam Malaysia.

Konsep Pembiayaan

  • Pembiayaan Berjangka-i Komoditi Murabahah
  • Pembiayaan Modal Kerja Berputar-i Komoditi Murabahah
  • Jaminan Bank Kafalah

Had Pembiayaan

Pembiayaan akan ditentukan oleh kos projek dan kedudukan aliran tunai syarikat. Had pembiayaan akan ditentukan oleh pihak Bank dan tertakluk kepada Had Pelanggan Tunggal (Single Customer Limit).

Tempoh Pembiayaan

  • Sehingga 20 tahun termasuk tempoh pernafasan sehingga 3 tahun.

Kadar Keuntungan

  • Dari KPA - 1.0% setahun sehingga KPA + 0.5% setahun

    Nota : Kadar Pembiayaan Asas (KPA) semasa adalah 6.85% p.a.

Ciri-Ciri Projek

Keutamaan akan diberikan kepada projek seperti berikut:

  • Projek pelancongan yang dipromosikan oleh Kerajaan.
  • Membina, menaiktaraf atau mengubahsuai bangunan pelancongan atau bersejarah.
  • Perkhidmatan pengangkutan berasaskan pelancongan
  • Resort & infrastruktur pelancongan.
  • Pembuatan atau pembekalan produk atau perkhidmatan yang berasaskan pelancongan.
  • Modal kerja untuk aktiviti pelancongan.
  • Projek-projek lain berasaskan pelancongan yang telah ditetapkan oleh Kerajaan.

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
  • Kemudahan Pembayaran Balik Pembiayaan SME Bank

    Anda boleh membuat pembayaran pembiayaan melalui saluran-saluran berikut :

    Saluran Pembayaran Pembiayaan

     

    Cara pembayaran menggunakan Perbankan Internet

    Pemegang Akaun CIMB Clicks

    Pilihan 1: Melalui ‘Transfer – Within CIMB Bank’
    Pilihan 2: Melalui Pay Bills

     

    Maklumat arahan pembayaran hendaklah mengandungi :

    1. Nombor Akaun Pembayaran Pelanggan 14 digit - 98955 XXXXXXXXX
    2. Nombor Telefon
    3. Nama Pelanggan
    4. Jumlah Bayaran

    Pemegang Akaun Maybank2u

    Pilihan 1: Melalui ‘Transfer – New Interbank Fund Transfer – Make a one off transfer to CIMB Bank Berhad’

    Maklumat arahan pembayaran hendaklah mengandungi :

    1. Nombor Akaun Pembayaran Pelanggan 14 digit - 98955 XXXXXXXXX
    2. Nombor Telefon
    3. Nama Pelanggan
    4. Jumlah Bayaran
    5. Pengesahan ID Penerima – Pilih “No”

     

    Pilihan 2: Melalui ‘Bill Payment – All Payee – SME Bank’

    Payment instruction must include the following information :

    1. Nombor Akaun Pembayaran Pelanggan 14 digit - 98955 XXXXXXXXX
    2. Nama Pelanggan
    3. Jumlah

    Lain-lain Bank

    • Kaunter Bank Simpanan Nasional dan kaunter CIMB Bank Collect Service
    • CIMB Bank ATM (Automatic Teller Machine – Direct Transfer)
    • Mesin Deposit Tunai / Cek di CIMB

    Maklumat arahan pembayaran hendaklah mengandungi :

    1. Nombor Pelanggan 14 digit - 98955 XXXXXXXXX
    2. Jumlah Bayaran

    Melalui ‘Fund Transfer’ dari akaun bank Pelanggan menggunakan Interbank Giro atau Instant Transfer atau RENTAS ke CIMB Bank Berhad.

    Maklumat arahan pembayaran melalui Internet hendaklah mengandungi:

    1. Nombor Pelanggan 14 digit - 98955 XXXXXXXXX
    2. Nombor Telefon
    3. Nama Pelanggan
    4. Amaun
    5. *Pengesahan ID penerima – Pilih “No.” (jika berkenaan)
  • Fees & Charges

    Micro, Small and Medium Enterprises1

    Large Enterprise

    Processing Fee
    Term and Revolving Financing
       
    • Up to RM10 million

    Not Applicable

    RM50,000

    • RM10 million to RM20 million

    Not Applicable

    RM75,000

    • Above RM20 million

    Not Applicable

    RM100,000

    Facility Fee for Contract Financing

    0.1% of financing amount

    Amendment/ Variation of Facility Term & Condition

    Not Applicable

    RM500

    Restructuring / Rescheduling of Facility

    Not Applicable

    RM200

    Redemption Letter / Statement

    Not Applicable

    RM100

    Letter of Support

    RM100 for each issuance
    (Not applicable to Micro Enterprises)

    Brokerage Fee
    [Charged by Bursa Suq Al-Sila’ (BSAS)]

    RM15 for RM1,000,000 or part thereof for every transaction.

    Cancellation Fee

    Not Applicable

    0.25% of the facility limit upon cancellation of the Letter of Offer.

    Bank Guarantee Fee

    Issuance, renewal and amendments related to increase in amount and extension of expiry date/claim period

    0.125% per month or minimum RM100 per month

    Other amendments (Other than increase in amount and extension of expiry date/claim period)

    RM50

    RM100

    Trade Finance Related

    Issuance of Letter of Credit (LC)

    0.15% per month or minimum RM100

    Handling Fee (Handling negotiation and payment of LC)

    RM100

    LC amendment (Extension of validity period or incremental value)

    0.15% per month or minimum RM100

    Other amendments to LC

    RM100

    Issuance of Shipping Guarantee

    0.20% of invoice value

    SWIFT charges (for foreign correspondences)

    RM100

    Charges in lieu of FOREX (Administrative cost for monitoring the rate, phone, fax and etc.)

    RM100

    Banking Operations
    Audit Confirmation (Account Statement)

    RM50

    RM100

    Telegraphic Transfer
    • RENTAS Fee

     

    Inward: Nil
    Outward: RM10

    • Interbank Giro (IBG) for amount below than RM10,000

    RM2

    Stamp Duty

    RM10 per stamping (as per Stamp Duty Act)

     

    Note:

    1. Micro, Small and Medium Enterprise as defined by National SME Development Council (NSDC).
    2. All the above Fees & Charges are exclusive of Goods & Services Tax (GST).

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Hubungi Kami:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700
customercare@smebank.com.my