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Tabung Khas Pelancongan (TKP)

Tabung Khas Pelancongan (TKP) is a financing programme to support the tourism industry in Malaysia.


  • Asset acquisition
  • Working Capital


  • Small and Medium company (minimum of 60% Bumiputera equity ownership) and registered under the Companies Commission of Malaysia or Co-operative Act 1993.
  • Registered with Ministry of Tourism, Arts and Culture (MOTAC) or recognized by MOTAC or endorsed as a tourism project by Jawatankuasa Pinjaman Tabung Pelancongan (JKPTP), MOTAC.
  • Shareholders fund of not more than RM10.0 million.
  • Existing customer of SME Bank or minimum 2 years in operations.


Nature of Projects
Registered with MOTAC or recognized by MOTAC or endorsed as tourism project by JKPTP, MOTAC. Priority shall be given to the following types of projects:-

  • Expanding and renovating tourism lodging places such as hotels, motels, homestay (registered with MOTAC), chalet, lodge and others other related tourism project which is registered with MOTAC.
  • Provide tourism related transport services such as coach, self-driven car rental, ferry, boat, hydrofoil etc.
  • Provide tourism related facilities such as souvenirs and hand-craft centers, duty-free shop, recreation equipment's at tourism area such as marina equipment, bicycle, boat and others excluding golf equipment.
  • Working capital for tourism related activities.

Financing Facility(ies)

  • 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: RM50,000.00
  • Maximum: RM5.0 million

Profit Rate

  • 4.0% - 5.5% p.a

Margin of Financing

  • Asset acquisition: Up to 90%
  • Working capital: Up to 100%

Financing Tenure

Type Minimum Maximum Grace Period
Asset Acquisition 3 years 10 years Up to 2 years
Working Capital 2 years 5 years Up to 1 year



  • Any collateral acceptable by the Bank as per SME Bank's policy.
  • Personal guarantees / joint and several guarantees


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.

Product Disclosure Sheet (PDS)

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.


A financing programme aimed to assist Micro, Small and Medium Enterprises (MSMEs) for working capital requirement.