• PENJANA TOURISM FACILITY
    For SMEs impacted by Covid-19

    Features

    • Purpose of Financing: Working Capital, Capital Expenditure & Refinancing
    • Financing Amount: RM5,000 - RM 100,000
    • Financing Tenure: Between 1 year to 7.5 years including first 6 months of moratorium on monthly instalment

    Shariah Concept

    Tawarruq consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

    APPLY NOW
    PENJANA TOURISM FACILITY
    For SMEs impacted by Covid-19

    Features

    • Purpose of Financing: Working Capital, Capital Expenditure & Refinancing
    • Financing Amount: RM5,000 - RM 100,000
    • Financing Tenure: Between 1 year to 7.5 years including first 6 months of moratorium on monthly instalment

    Shariah Concept

    Tawarruq consists of two sale and purchase contracts. The first involves the sale of an asset by a seller to a purchaser on a deferred basis. Subsequently, the purchaser of the first sale will sell the same asset to a third party on a cash and spot basis.

    APPLY NOW

PENJANA Tourism Financing (PTF) is a financing scheme which is offered to support viable micro entrepreneurs and SMEs in the tourism sector by preserving their capacity and assisting them to adjust and remain viable post COVID-19.

ELIGIBILITY

  • Entrepreneurs whose businesses are related to core tourism and tourism related

  • Not an existing customer of BSN Micro/i Kredit Prihatin

  • Micro Enterprise - Sole Proprietorship / Partnership / Private Limited Company

  • Malaysian owned business
  • Registered with Suruhanjaya Syarikat Malaysia (SSM) for Peninsular Malaysia or authorities / district offices in Sabah and Sarawak for Sabah and Sarawak / MOTAC (for homestays under tourist accommodation premises) / Certificate of Registration of Homestay holder
  • Business that has been in operation not less than 6 months

REQUIRED DOCUMENTS

Sole Proprietorship / PartnershipPrivate Limited Company
A valid Business Registration certificate with SSM or Business License with Local Authority (LA) / MOTAC (for homestays under tourist accommodation premises)Certified True Copy (CTC) of Form 9, 24, 44, 49, M&A (or as such), a valid Business Registration certificate with MOTAC (for homestays under tourist accommodation premises)
A copy of NRIC of sole proprietor / partnersA copy of NRIC of all Directors / Shareholders / Guarantors
Financial Statement / Management Account (if any)Latest 2 years of Audited Accounts / Management Accounts
Latest 6 months of company’s bank account statementLatest 6 months of company’s bank account statement
Any other supporting documents as required by the BankAny other supporting documents as required by the Bank

FIXED RATE

  • 3.50 % p.a.

Get Started with our Financing Calculator

Wish to know how much you would be paying every month? Let us help you get started. 

{{lang == 'en' ? 'Kindly enter your financing details' : 'Masukkan butiran pembiayaan anda di sini'}}

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{{lang == 'en' ? 'Disclaimer :' : 'Penafian :'}}
{{lang == 'en' ? ' This calculator serves as an estimate only. It is provided for illustrative purposes and is based on the accuracy of information provided. It does not constitute a quote. BSN shall not be responsible for any inaccuracies or errors resulting from the use of this calculator.' :'Kalkulator ini berfungsi sebagai anggaran sahaja. Ia disediakan untuk tujuan ilustrasi dan adalah berdasarkan ketepatan maklumat yang diberikan. Ia bukan merupakan sebut harga. BSN tidak akan bertanggungjawab terhadap sebarang ketidaktepatan atau kesilapan yang disebabkan oleh penggunaan kalkulator ini.'}}

LATE PAYMENT CHARGES (LPC) 

Late Payment Charges will be charged based on Ta’widh (Compensation).

During financing PeriodLate Payment Charges (LPC) not exceeding 1% per annum will be imposed on the overdue monthly instalment payment in the event you fail to pay any monthly instalment within the stipulated period from the first disbursement of the financing until its maturity date.
After the completion of financing periodPrevailing daily overnight Islamic Interbank Money Market (IIMM) rate will be charged for failure to pay the total outstanding balance after maturity or upon judgment obtained, whichever earlier.



HOW DO I APPLY?

NOTES:

Visit our branch

Visit our nearest Business Financing Centre for more information
 OR download our Application Form HERE.

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