Purpose

• Asset acquisition (Machinery/ equipment)
• Working Capital

Eligibility

• Women entrepreneurs who meet the definition of MSMEs as defined by SME Corp.
• 51% of the equity held by a woman/ women OR CEO/ MD is a woman that owns at least 10% of the equity.
• Registered with Suruhanjaya Syarikat Malaysia (SSM), or authorities/ district offices (for Sabah and Sarawak), or statutory bodies for professional service providers.
• Shariah-compliant business.
• At least 2 years in operations.

Financing Facilities

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

Financing Limit

• Minimum: RM100,000
• Maximum: RM3.0 million

Profit Rate

• 5.0% per annum

Margin of Financing

• Asset Acquisition:
  • Up to 80% (New)
  • Up to 70% (Used/Refurbish/Recon/Rebuilt)
• Working Capital:
  • Up to 100%

Financing Tenure

Up to 5 years

Collateral

Collateral acceptable by the Bank as per SME Bank’s policy.

Note: Guarantee coverage, if required shall be obtained only Credit Guarantee Corporation Malaysia Berhad (CGC). 

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.

Fees and Charges

Click here for fees & charges

Product Disclosure Sheet

MySMELady 2.0(English)