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Besides Alliance Islamic Bank's various credit facilities, we also offer the following SME Schemes promoted by Bank Negara Malaysia (BNM) to meet your business needs.
The schemes are:
- New Entrepreneurs Fund 2
- Fund for SMI 2
- Small Debt Resolution Scheme
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Rates
Maximum financing rate: 5.0% p.a.
Maximum tenure: 8 years
Minimum funding: None
Maximum funding: RM5.0 million
Objective
To help stimulate the growth of small and medium-sized Bumiputera enterprises
Purpose of financing
- Expansion of productive capacity;
- Working capital; or
- Both of the above.
Note:
Financing should not be used for:
- Purchase of shares
- Refinancing of existing credit facilities
Eligible for all economic sectors
Note:
Only for wholly-owned Bumiputera institutions or SME enterprises participating under the vendor development programmes of the Ministry of Entrepreneur Development or Ministry of Finance with at least 70% Bumiputera equity and management control |
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Rates
Maximum financing rate: 5.0% p.a.
Maximum tenure: 3 years
Minimum funding: RM50,000
Maximum funding: RM3.0 million
Objective
To promote SME activities in the export and domestic oriented sectors
Purpose of financing
- Expansion of productive capacity;
- Working capital; or
- Both of the above.
Note:
Financing should not be used for:
- Purchase of shares
- Refinancing of existing credit facilities
- Purchase of land
Eligible sectors
- Manufacturing
- Service
- Trading activities
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Rates
Financing rate: 5.0% p.a.
Maximum tenure: 5 years
Maximum funding: Actual working capital requirement or RM1.5 million, whichever is lower
Objective
To provide assistance to viable SMEs that are constrained by non-performing financing (NPFs) by facilitating financing restructuring or arranging for new financing, if necessary.
Purpose of financing
- Working capital; or
- Business expansion
Note:
- Not for refinance of existing credit facility
- Applicants must have on-going business
Eligible for all economic sectors
Note:
Must be Malaysian owned (at least 51%) companies with annual sales turnover not more than RM25 million or full time employees not exceeding 150.
In addition, the aggregate outstanding NPFs (business related financing only) must not be more than RM3 million with commercial banks, finance companies, Islamic banks, Bank Pembangunan & Infrastruktur (M) Bhd and Bank Industri & Teknologi (M) Bhd. |
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