Dibuka — disahkan · 2026-10-12

SME Stabilisation Relief Facility (SME SRF)

Penyedia: Bank Negara Malaysia (via participating financial institutions)

Halaman ini menerangkan keluarga skim yang telah kami sahkan dengan sumber rasminya. Syarat boleh berubah — sentiasa sahkan kriteria, kos dan ketersediaan semasa dengan penyedia sebelum memohon.

Butiran skim

Penyedia: Bank Negara Malaysia (via participating financial institutions)
Jenis instrumen: soft loan
Tahap tiket: Medium
Sumber terakhir disemak: 2026-10-12
Julat tiket indikatif: Up to RM750,000 · Angka indikatif — sahkan terus di sumber
Untuk siapa: viable SMEs materially affected by trade/supply-chain disruption from the Middle East / West Asia conflict (from March 2026)
Syariah: Konvensional & Islam

Kegunaan wang yang dibenarkan

working capital only
refinancing not allowed

Sumber tidak sepakat — kami guna angka yang lebih selamat

Used 31 Dec 2026 (SJPP page); BNM says extended to 30 Jun 2027. Confirm with your bank.

Cara kami menyemak

DISPUTED[deadline]: used 31 Dec 2026 (SJPP page); BNM says extended to 30 Jun 2027. Confirm with your bank. CHANGED 2026-10-12: window extended from 31 Dec 2026 to 30 Jun 2027 (funds4sme page, brochure and FAQ updated 9 Oct 2026); allocation now RM10 billion (original RM5bn + additional RM5bn announced in BNM Belanjawan 2027 release 9 Oct 2026, expected to reach ~9,000 more SMEs); BNM reports RM3.8bn approved for >6,800 SME accounts as at 30 Sep 2026 under the initial RM5bn; added 'no collateral', document list and 7-day approval target. CONFLICT: SJPP's GGSM4-SRF guarantee page (RM2.5bn limit) still states applications close 31 Dec 2026; BSN's own MSME SRF-i product caps at RM250,000 (PFI-level limit). Original 28 Apr 2026 press release (bnm.gov.my/-/sme-srf) still shows 31 Dec 2026.

Apa yang anda perlukan

Seperti yang diterbitkan oleh penyedia. Apa-apa yang tiada di sini — tanya mereka sebelum memohon.

Siapa yang layak: Malaysian SME (>=51% Malaysian-owned) that is viable but materially affected (cash flow/liquidity, costs/margins, revenue) by Middle East conflict trade disruption; existing and new borrowers; total approvals across all PFIs capped at RM750,000 per SME
Dokumen untuk disediakan: viability: bank statements/transaction records, CCRIS conduct, audited accounts or management accounts; material impact: sales records, invoices/POs, supplier contracts/correspondence, stock movement records, debtor/creditor ageing (varies by PFI)
Kosnya: up to 3.75% p.a. inclusive of 0.5% p.a. guarantee fee
Tempoh untuk membayar balik: up to 5 years
Cagaran atau penjamin: no collateral required by PFIs; up to 80% guarantee coverage by CGC or SJPP
Cara memohon: directly at participating commercial banks, Islamic banks and BNM-regulated DFIs (PFI list on bnm.gov.my/funds4sme); PFIs aim to decide within 7 business days of complete documents

Sumber rasmi

Permohonan hanya dibuat melalui saluran rasmi penyedia — tidak pernah di sini. Kami tidak memproses permohonan atau mengambil dokumen anda.

Mohon di sumber rasmi

https://www.bnm.gov.my/documents/20124/6025157/20261009-FAQ-SRF-EN.pdf

Padanan bukan satu ya atau janji kelayakan. Penyedia yang memutuskan.