Dibuka — disahkan · 2026-10-12

Sarawak Micro Credit Scheme Type 1 (SKMS 1 / SMCS)

Penyedia: Sarawak Government (MINTRED contact) via SEDC Sarawak and Agrobank

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: Sarawak Government (MINTRED contact) via SEDC Sarawak and Agrobank
Jenis instrumen: microfinance
Tahap tiket: Micro
Sumber terakhir disemak: 2026-10-12
Julat tiket indikatif: RM1,000 – RM10,000 · Angka indikatif — sahkan terus di sumber
Untuk siapa: B40 Sarawakian entrepreneurs (Type 1 restricted to B40)

Kegunaan wang yang dibenarkan

Working capital
renovation of business premises
purchase of machinery and equipment

Sumber tidak sepakat — kami guna angka yang lebih selamat

A 2% one-off management fee may apply (earlier SEDC page); state portal says 'No charges'. Budget for the 2%. Confirm with SEDC.

Cara kami menyemak

DISPUTED[fee]: a 2% one-off management fee may apply (earlier SEDC page); state portal says 'No charges'. Budget for the 2%. Confirm with SEDC. CHANGED 2026-10-12: previous official URL (sedc.com.my/sarawak-micro-credit-scheme-smcs/) and MINTRED page could not be opened today (fetch blocked); re-verified on Sarawak Government official service portal instead. Corrections: agriculture is EXCLUDED (was 'all'); portal states 'No charges' — previous '2% one-off management fee' not confirmed by portal (conflict with earlier SEDC page; confirm with SEDC); tenure 1-3 yrs; channels now include Agrobank counters; documents and use of funds filled. Portal gives no status/dates; status kept 'open' because it is listed as a live state e-service and UKAS reports SEDC disbursed SKMS to 26 entrepreneurs (RM660,000) in 2025. Shariah status not stated (Agrobank is an Islamic bank but scheme basis not stated). Amount range overlaps with Type 2 (RM5,001-10,000).

Apa yang anda perlukan

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

Siapa yang layak: Sarawakian (Bumiputera or non-Bumiputera) residing and operating business in Sarawak; business operating >=6 months; any sector except agriculture; B40 entrepreneurs only; business permit from local council or relevant authority
Dokumen untuk disediakan: Valid business permit/registration/licence; copies of MyKad of all directors/owners/partners; last 6 months bank statements; other documents required by the bank
Kosnya: 0% (zero interest/profit); portal lists 'No charges'
Tempoh untuk membayar balik: 1 to 3 years
Cara memohon: Online, or over the counter at SEDC Sarawak or Agrobank

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://service.sarawak.gov.my/web/web/home/sla_view/0/390/

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