Product Information

Financing Amount	Step-up financing facility as follows: Stage 1: Up to RM5,000.00 Stage 2: Up to RM10,000.00 (taking into account balance of financing facility at Stage 1) after 12 months from the date of Stage 1 disbursement. After 12 months from the date of Stage 2 disbursement, customer is eligible to obtain other financing facilities contingent on qualified criteria. For Stage 2 financing, credit terms and parameters refer to PEMULIH Micro Kredit program.
Profit Rate	0% for six (6) months (during moratorium period) and thereafter at 3.0% per annum beginning the 7th month onwards. Profit calculated on monthly balance.
Financing Tenure	Maximum tenure of financing: 60 months (including six (6) months moratorium period). Minimum tenure of financing: 12 months including moratorium period. No collateral required by Bank. * Moratorium (applicable for Stage 1 financing only).
Required documents	Completed application form. Copy of applicant and joint-applicant’s identity card (where relevant). Copy of business registration or business license for permanent premises.

How To Apply

Malaysia Citizens only
Age 18 (during application) to 70 years old (upon maturity of financing).
Individuals impacted by COVID-19 pandemic and negative economic situations as below:
- Individuals who had lost his/her job as at March 2020
- Unemployed university or college students graduates since March 2020 or without a stable job; and
- Individuals categorised as asnaf.
For (a) and (b) above, applicant need to show letter of retrenchment or graduation certificate.
For (c), applicant need to show letter from Jabatan Agama Islam Persekutuan (JAWI) or Jabatan Kemajuan Islam Malaysia (JAKIM) or any Majlis/Jabatan Agama Islam Negeri.