Looking for funding options for your SME in Malaysia? Here’s a handy list of grants and funds that could help boost your business growth. Click the link below to download the full list of available grants and funds.

[**\>>> Download Full List**](https://staging.strive-backend.lizard.global/strapi/uploads/Grants_and_Loans_for_SME_3207898feb.pdf)

<table class="ck-table-resized"><colgroup><col style="width:33.33%;"><col style="width:33.33%;"><col style="width:33.34%;"></colgroup><tbody><tr><td>Grants/Loans Name</td><td>Description</td><td>Value Range (RM)</td></tr><tr><td><a href="https://cradle.com.my/cip-sprint/">CIP Sprint</a></td><td>A conditional grant offering up to RM600,000 for technology-based ventures, covering expenses for product enhancement, market access, and expansion.</td><td>Up to 600,000</td></tr><tr><td><a href="https://cradle.com.my/cip-spark/">CIP Spark</a></td><td>Provides up to RM150,000 in funding for early-stage entrepreneurs to develop and commercialize technology-based products.</td><td>Up to 150,000</td></tr><tr><td><a href="https://www.matrade.gov.my/en/export-to-the-world/trade-facilitation-page/etrade-programme">eTRADE Programme 2.0</a></td><td>Assists Malaysian SMEs to accelerate exports through participation in international e-commerce platforms, providing financial incentives.</td><td>Up to 5,000</td></tr><tr><td><a href="https://www.kpkm.gov.my/bm/geran-dan-insentif/program-agropreneur-muda">Program Agropreneur Muda (PAM)</a></td><td>Aims to encourage youth participation in the agriculture sector by providing grants for projects in areas like crop cultivation, livestock, and fisheries.</td><td>Up to 20,000</td></tr><tr><td><a href="https://fundingsocieties.com.my/msme-digital-grant-madani">MSME Digital Grant MADANI</a></td><td>Provides grants to MSMEs to adopt digitalization measures for business operations, offering a matching grant.</td><td>Up to 5,000</td></tr><tr><td><a href="https://www.matrade.gov.my/en/export-to-the-world/trade-facilitation-page/market-development-grant">Market Development Grant (MDG)</a></td><td>Supports Malaysian exporters in promoting products or services globally, offering reimbursable grants with a lifetime limit.</td><td>Up to 300,000</td></tr><tr><td><a href="https://epengembangan.doa.gov.my/industri-asas-tani-iat/program-iat/hip/">Program Geran Padanan High Impact Product (HIP)</a></td><td>Provides matching grants to agro-based industry entrepreneurs with annual gross sales between RM300,000 to RM5 million to enhance product quality and marketability.</td><td>Up to 200,000</td></tr><tr><td><a href="https://epengembangan.doa.gov.my/en/industri-asas-tani-iat/program-iat/cup/">Program Geran Padanan Change Upgrade Product (CUP)</a></td><td>Offers matching grants to small-scale agro-based industry entrepreneurs with annual gross sales below RM300,000 for product quality improvement and capacity building.</td><td>Up to 60,000</td></tr><tr><td><a href="https://sandbox.gov.my/fundings">National Technology &amp; Innovation Sandbox (NTIS)</a></td><td>Provides various funding schemes to support the development, testing, and commercialization of innovative solutions.</td><td>Up to 4,000,000</td></tr><tr><td><a href="https://www.matrade.gov.my/en/export-to-the-world/trade-facilitation-page/services-export-fund">Service Export Fund (SEF)</a></td><td>Assists Malaysian service providers in expanding into international markets by reimbursing costs for various export promotion activities.</td><td>Up to 1,000,000</td></tr><tr><td><a href="https://www.veecotech.com.my/rm100k-ncer-coe-grant/">NCER Grant</a></td><td>Provides funding to support SMEs in the Northern Corridor Economic Region (NCER) to enhance competitiveness and innovation.</td><td>Up to 100,000</td></tr><tr><td><a href="https://www.kpkm.gov.my/bm/geran-dan-insentif/program-rezeki-tani">Program Rezeki Tani</a></td><td>Aims to increase the income of participants through agricultural activities by providing financial assistance and training.</td><td>Varies</td></tr><tr><td><a href="https://www.bnm.gov.my/documents/20124/2294076/lctf2022_en_broc.pdf">Low Carbon Transition Facility (LCTF)</a></td><td>Supports SMEs in adopting sustainable practices by providing financing for low carbon initiatives.</td><td>Up to 10 million</td></tr><tr><td><a href="https://hrdcorp.gov.my/ms/rise4wrd-untuk-industry4wrd">RiSE4WRD</a></td><td>Assists SMEs in adopting Industry 4.0 technologies through training and development programs.</td><td>Varies</td></tr><tr><td><a href="https://www.smeinfo.com.my/wp-content/uploads/2020/12/Brochure-SME-Revitalisation-Financing.pdf">SME Revitalisation Financing (SMERF)</a></td><td>Provides financing to assist SMEs affected by economic challenges to revitalize their businesses.</td><td>Up to 1 million</td></tr><tr><td><a href="https://mdec.my/grants/dcg">Digital Content Grant (DCG)</a></td><td>Supports the development and commercialization of digital content by providing financial assistance.</td><td>Up to 300,000</td></tr><tr><td><a href="https://mdec.my/grants/mdxg">Malaysia Digital X-Port Grant (MDXG)</a></td><td>Assists Malaysian technology companies in expanding into international markets by providing financial support.</td><td>Up to 500,000</td></tr><tr><td><a href="https://mdec.my/grants/mdxg">Bridging Fund (BGF)</a></td><td>Provides funding to bridge the gap between research outcomes and commercialization for technology-based companies.</td><td>Up to 4 million</td></tr><tr><td><a href="https://sdb.mosti.gov.my/sdbcms/wp-content/uploads/2024/06/GARIS-PANDUAN-TED1_15052024.pdf">Technology Development Fund 1 (TeD 1)</a></td><td>Offers funding up to RM1,000,000 for projects at TRL 2–4, aiming to support early-stage technology development.</td><td>Up to RM1,000,000</td></tr><tr><td><a href="https://sdb.mosti.gov.my/sdbcms/wp-content/uploads/2024/06/GARIS-PANDUAN-TED2_15052024.pdf">Technology Development Fund 2 (TeD 2)</a></td><td>Provides funding up to RM3,000,000 for projects at TRL 4–7, focusing on advancing technology development towards commercialization.</td><td>Up to RM3,000,000</td></tr><tr><td><a href="https://sdb.mosti.gov.my/sdbcms/wp-content/uploads/2024/06/GARIS_PANDUAN_AIF_15052024.pdf">Applied Innovation Fund (AIF)</a></td><td>Offers funding up to RM500,000 for projects at TRL 2–9, supporting applied innovation initiatives with potential for commercialization.</td><td>Up to RM500,000</td></tr><tr><td><a href="https://sdb.mosti.gov.my/sdbcms/wp-content/uploads/2024/06/GARIS-PANDUAN-SRF-APP_27052024.pdf">Strategic Research Fund (SRF-APP)</a></td><td>Provides funding up to RM15,000,000 for strategic research projects at TRL 2–9, aiming to address national priorities and challenges.</td><td>Up to RM15,000,000</td></tr><tr><td><a href="https://sdb.mosti.gov.my/sdbcms/wp-content/uploads/2024/09/GARIS-PANDUAN-SRF-RFP-Ogos-2024.pdf">Strategic Research Fund (SRF-RFP)</a></td><td>Offers funding up to RM15,000,000 for research projects at TRL 3–9, focusing on specific research areas identified through Requests for Proposals (RFP).</td><td>Up to RM15,000,000</td></tr><tr><td><a href="https://sdb.mosti.gov.my/sdbcms/wp-content/uploads/2024/11/GARIS-PANDUAN-SRF-RFP-MALAYSIA-CHINA-7NOVEMBER2024_241108_180427.pdf">Strategic Research Fund (SRF-RFP Malaysia-China)</a></td><td>Provides funding up to RM2,000,000 for collaborative research projects between Malaysia and China at TRL 3–9, focusing on mutual research interests.</td><td>Up to RM2,000,000</td></tr><tr><td><a href="https://www.maybank2u.com.my/maybank2u/malaysia/en/business/financing/government_aided/business/government-guarantee-scheme-madani-i.page">Government Guarantee Scheme MADANI/-i (GGSM/-i)</a></td><td>A financing package designed to offer financial support for working capital and capital expenditure, aiming to help Malaysian Small and Medium Enterprises (SMEs) and Mid Companies (MSCs) across all business sectors.</td><td>Up to RM30.0 million</td></tr><tr><td><a href="https://www.maybank2u.com.my/maybank2u/malaysia/en/business/financing/government_aided/business/government-guarantee-scheme-madani-i.page">Working Capital Guarantee Scheme (SJMK)</a></td><td>Offers guarantees for working capital loans to SMEs to facilitate access to financing.</td><td>Up to RM200 million</td></tr><tr><td><a href="https://teraju.gov.my/financing/?lang=en">Bumiputera Expansion and Catalyst Fund Programme</a></td><td>Provides strategic financial support in collaboration with financial institutions to scale and expand Bumiputera enterprises, offering financing up to RM10 million per company.</td><td>Up to RM10 million</td></tr><tr><td><a href="https://teraju.gov.my/financing/?lang=en">Islamic Working Capital Project Financing (i-WCPF) Programme</a></td><td>Offers innovative Peer-to-Peer (P2P) digital financing platform designed to scale and grow Bumiputera enterprises, providing financing up to RM1 million per transaction.</td><td>Up to RM1 million</td></tr><tr><td><a href="https://mdec.my/grants/mdcg">Malaysia Digital Catalyst Grant (MDCG)</a></td><td>Designed to catalyse the use and development of disruptive and innovative sustainable solutions within Malaysia Digital (MD) promoted sectors, aligning with the National 4th IR policy. The grant supports co-creation, problem-solving, development, and commercialization of innovative solutions with an end-user partner.</td><td>Ceiling limit of RM1,000,000</td></tr></tbody></table>

[**\>>> Download the complete list of available grants and funds**](https://staging.strive-backend.lizard.global/strapi/uploads/Grants_and_Loans_for_SME_3207898feb.pdf)

Looking for funding options for your SME in Malaysia? Here’s a handy list of grants and funds that could help boost your business growth.

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Grants and Loans for SME

**Your Guide to Business Financing**

Financing is a critical ingredient for entrepreneurial growth, yet many women entrepreneurs face unique challenges in accessing capital. In Malaysia, government agencies, financial institutions, and private organizations are working to bridge this gap by providing tailored financing solutions for women-led businesses.

This guide explores various financing opportunities available to Malaysian women entrepreneurs, including bank loans, microfinancing, government initiatives, and non-bank financial institutions. Whether you’re launching a startup, scaling your operations, or navigating financial challenges, there’s a solution to suit your needs.

**Debt Financing**

Debt financing is a common way to fund a business, involving loans that must be repaid over time with interest/profit (Shariah Compliant). Below are the primary types of debt financing available to women entrepreneurs in Malaysia.

> video\_link: [https://www.youtube.com/watch?v=Br_ZxCMLtPk](https://www.youtube.com/watch?v=pRJmtfb-i1Q)

**1\. SME-Friendly Bank Loans**

Banks in Malaysia offer a wide range of loan options specifically designed for SMEs, which form the backbone of the economy. These loans provide accessible funding for operational costs, expansion, and equipment purchases.

Key Examples:

* Maybank SME Clean Loan: Tailored for businesses seeking funding without collateral. It provides loans ranging from RM50,000 to RM250,000 with competitive rates.
* CIMB SME Loan: Focused on various business sectors, CIMB provides quick approvals and personalised loan packages.
* Bank Islam SME Financing: Offers Shariah-compliant financing for businesses, including working capital and asset acquisition loans.

Here's a comparison table of SME-friendly loan features from major Malaysian banks, detailing interest rates, maximum loan amounts, and eligibility criteria:

<table class="ck-table-resized"><colgroup><col style="width:20%;"><col style="width:20%;"><col style="width:20%;"><col style="width:20%;"><col style="width:20%;"></colgroup><tbody><tr><td>Bank</td><td>Loan Product</td><td>Interest Rate</td><td>Maximum Loan Amount</td><td>Eligibility Criteria</td></tr><tr><td>Maybank</td><td>SME Loan</td><td>From 6.5% p.a.</td><td>Up to RM1,000,000</td><td>- Malaysian-owned SMEs- Minimum 2 years in operation- Annual sales turnover between RM300,000 and RM50 million</td></tr><tr><td>CIMB</td><td>SME Quick Biz Financing</td><td>From 5.5% p.a.</td><td>Up to RM1,000,000</td><td>- Malaysian SMEs- Minimum 3 years in operation- Annual sales turnover between RM300,000 and RM15 million</td></tr><tr><td>RHB</td><td>SME Online Financing</td><td>From 6.0% p.a.</td><td>Up to RM1,000,000</td><td>- Malaysian SMEs- Minimum 2 years in operation- Annual sales turnover between RM300,000 and RM50 million</td></tr><tr><td>Public Bank</td><td>BizWin SME Business Loan</td><td>From 5.0% p.a.</td><td>Up to RM1,000,000</td><td>- Malaysian SMEs- Minimum 3 years in operation- Annual sales turnover between RM300,000 and RM50 million</td></tr><tr><td>Hong Leong Bank</td><td>SME Business Loan</td><td>From 6.3% p.a.</td><td>Up to RM1,000,000</td><td>- Malaysian SMEs- Minimum 2 years in operation- Annual sales turnover between RM300,000 and RM50 million</td></tr><tr><td><a href="https://www.ocbc.com.my/business-banking/smes/loans/bizfinancing?utm_source=chatgpt.com">OCBC Bank</a></td><td>BizFinancing Collateral Free Loan</td><td>BLR + 6.0% p.a. (Effective rate: 12.76% p.a.)</td><td>Up to RM600,000</td><td>- Malaysian-owned SMEs- Minimum 3 years in operation- All directors/guarantors must be Malaysian citizens</td></tr><tr><td><a href="https://www.alliancebank.com.my/Business/SME/Alliance-Digital-SME-Express-Financing?utm_source=chatgpt.com">Alliance Bank</a></td><td>Digital SME Express Financing</td><td>From 5.9% p.a. (flat rate)</td><td>Up to RM500,000</td><td>- Malaysian-owned SMEs- Minimum 1 year in operation- Annual sales revenue of at least RM50,000</td></tr></tbody></table>

_Note: Interest rates are indicative and may vary based on the bank's assessment and prevailing market conditions. It's advisable to consult directly with the respective banks for the most accurate and up-to-date information._

**2\. Women Entrepreneur Loans**

Dedicated women-focused loans cater to the unique financial needs of women entrepreneurs. These loans typically come with lower interest rates and additional perks like mentorship programs.

**Expanded Examples**:

* **BSN DanaNita**: A low-interest financing scheme from Bank Simpanan Nasional, designed exclusively for women entrepreneurs, offering up to RM50,000 with flexible repayment terms.
* **Affin Women Entrepreneurs Financing**: Provides tailored loans for women in business, emphasising ease of access and affordable interest rates.

**3\. Microfinancing Opportunities**

Microfinancing is a great option for small-scale entrepreneurs who require smaller loans and may not meet the eligibility criteria for traditional financing.

**Key Examples**:

* **TEKUN Nasional**: Offers microfinancing from RM1,000 to RM100,000, catering to microenterprises in sectors like food, retail, and services.
* **Amanah Ikhtiar Malaysia (AIM)**: Provides financing to low-income women entrepreneurs, with group-based lending models and capacity-building workshops.
* **Yayasan Usaha Maju (YUM)**: Focused on women in Sabah and Sarawak, YUM offers loans for small businesses with simplified application processes.

**4\. Government Initiatives**

The Malaysian government provides significant support to women entrepreneurs through grants, loans, and capacity-building programs.

**Highlighted Programs**:

1. **SME Corp Malaysia**: Offers funding through initiatives like the SME Business Accelerator Programme, which supports women-led businesses with financial aid and advisory services.
2. **MARA Business Loan**: Available to Bumiputera women, this loan supports diverse business needs, from start-up capital to expansion funding.
3. **Women Entrepreneur Financing Programme by Agrobank**: Specifically designed for women in agriculture-related industries, offering attractive rates and flexible repayment options.

**5.** **Modern Financing Options**

P2P lending platforms offer an alternative financing option for women entrepreneurs seeking modern and flexible solutions. This method involves investors lending money directly to individuals and businesses through online platforms, bypassing traditional bank processes.

**Key Examples:**

1. Funding Societies
2. Fundaztic
3. Alixco

P2P lending offers several advantages for entrepreneurs. The application process is conducted entirely online, making it highly accessible and user-friendly, with less strict credit scoring requirements compared to traditional banks. Additionally, P2P loans provide flexibility, as they often do not require collateral, and the terms can be adjusted if agreed upon by the lender. Unlike conventional loans, eligibility is not strictly tied to business revenue, making this option particularly appealing for startups and small-scale operations.

However, P2P lending comes with its disadvantages. These loans are not secured by government guarantees, which may expose borrowers to higher risks. Furthermore, they can be more expensive than traditional financing options due to the higher risks borne by lenders. Despite these challenges, P2P lending platforms such as Funding Societies, Fundaztic, and Alixco have gained significant popularity in Malaysia, offering innovative and modern financing solutions for women entrepreneurs seeking capital. 

_**6.**_ **Non-Bank Institutions**

If traditional bank loans or government grants don’t meet your needs, non-bank institutions provide alternative financing options.

1. _Cooperatives and Credit Unions_

These member-based institutions pool resources to offer affordable loans. Women-focused cooperatives in Malaysia, such as **Koperasi Wanita Malaysia Berhad**, provide loans with low interest rates and supportive repayment plans.

**Example**: 
Cradle Fund, a government-backed agency, offers early-stage funding for innovative businesses, including women-led startups in technology and creative industries.

**Conclusion and Next Steps**

Securing the right financing can transform your business ambitions into reality. Malaysian women entrepreneurs have access to a diverse range of options, from SME loans and microfinancing to government grants and non-bank institutions. By understanding your needs and aligning them with the right financial products, you can propel your business to new heights.

**Steps to Take**:

1\. Research Financing Options

Explore financing opportunities specifically tailored to your industry. Look for grants, loans, or investment options that align with your business goals.

2\. Prepare a Compelling Business Plan

Develop a robust business plan that includes detailed financial projections to showcase your business’s potential to investors or lenders.

3\. Seek Expert Guidance

Reach out to banks, government agencies, or non-bank financial institutions for advice and support.

4\. Leverage a Mentoring Platform

Connect with experienced professionals through mentoring platforms. These platforms can provide valuable insights, guidance, and support to help you navigate the complexities of financing and grow your business effectively.

**Key Resources**:

* [TEKUN Nasional](https://www.tekun.gov.my)
* [Amanah Ikhtiar Malaysia](https://www.aim.gov.my)
* [Bank Negara Malaysia Microfinance](https://www.bnm.gov.my/microfinance)
* [MARA](https://www.mara.gov.my)

Remember, financial resources are just one part of the puzzle—your determination and creativity will ultimately drive your success. Start your journey to financial independence today! Need additional support? Sign up for our [Mentorship Program](https://strivershub.com/en/mentorship) to kickstart your application for loans or grants guided by industry experts now!

_**Panduan Pembiayaan Perniagaan Anda**_

Pembiayaan memang penting untuk perkembangan usahawan, tapi ramai usahawan wanita di Malaysia masih sukar untuk dapatkan modal. Nasib baik, ada agensi kerajaan, institusi kewangan, dan organisasi swasta yang cuba bantu dengan menyediakan pilihan pembiayaan khas untuk perniagaan yang dikendalikan oleh wanita.

Panduan ini berkongsi pelbagai peluang pembiayaan untuk usahawan wanita di Malaysia, seperti pinjaman bank, pembiayaan mikro, inisiatif kerajaan, dan institusi kewangan bukan bank. Tak kira sama ada anda baru sahaja memulakan perniagaan, ingin kembangkan operasi, atau atasi masalah kewangan, pasti ada pilihan yang sesuai dengan keperluan anda.

_**Pembiayaan Hutang**_

Pembiayaan hutang adalah salah satu cara biasa untuk mendapatkan modal perniagaan, di mana pinjaman perlu dibayar balik secara berperingkat bersama faedah/keuntungan (patuh Syariah). Berikut adalah jenis pembiayaan hutang utama yang disediakan untuk usahawan wanita di Malaysia.

> video\_link: [https://www.youtube.com/watch?v=jiZ4Pux3Onw](https://www.youtube.com/watch?v=duTTxxTZFr4)

_**1\. Pinjaman Bank Mesra PKS**_

Bank di Malaysia menawarkan banyak pilihan pinjaman khas untuk PKS, yang merupakan tulang belakang ekonomi kita. Pinjaman ini menyediakan kemudahan dalam menampung kos operasi, mengembangkan perniagaan, dan membeli peralatan.

Contoh Utama:

* Pinjaman Bersih PKS Maybank: Direka khas untuk perniagaan yang perlukan dana tanpa cagaran. Pinjaman ditawarkan dari RM50,000 hingga RM250,000 dengan kadar yang kompetitif.
* Pinjaman PKS CIMB: Fokus pada pelbagai sektor perniagaan, CIMB tawarkan kelulusan pantas dan pakej pinjaman yang diperibadikan.
* Pembiayaan PKS Bank Islam: Tawarkan pembiayaan patuh Syariah untuk perniagaan, termasuk pinjaman modal kerja dan pembelian aset.

Di bawah ini adalah jadual perbandingan pinjaman yang mesra PKS daripada bank-bank utama di Malaysia, lengkap dengan kadar faedah, jumlah maksimum pinjaman, dan syarat kelayakan:

<table class="ck-table-resized"><colgroup><col style="width:20%;"><col style="width:20%;"><col style="width:20%;"><col style="width:20%;"><col style="width:20%;"></colgroup><tbody><tr><td>Bank</td><td>Produk Pinjaman</td><td>Kadar Faedah</td><td>Jumlah Pinjaman Maksimum</td><td>Kriteria Kelayakan</td></tr><tr><td>Maybank</td><td>Pinjaman PKS</td><td>Dari 6.5% setahun</td><td>Sehingga RM1,000,000</td><td>- PKS hak milik rakyat Malaysia- Minimum 2 tahun beroperasi- Perolehan jualan tahunan antara RM300,000 hingga RM50 juta</td></tr><tr><td>CIMB</td><td>Pembiayaan PKS Quick Biz</td><td>Dari 5.5% setahun</td><td>Sehingga RM1,000,000</td><td>- PKS Malaysia- Minimum 3 tahun beroperasi- Perolehan jualan tahunan antara RM300,000 and RM15 juta</td></tr><tr><td>RHB</td><td>Pembiayaan Dalam Talian PKS</td><td>Dari 6.0% p.a.</td><td>Sehingga&nbsp; RM1,000,000</td><td>- PKS Malaysia- Minimum 2 tahun beroperasi- Perolehan jualan tahunan antara RM300,000 and RM50 juta</td></tr><tr><td>Public Bank</td><td>Pinjaman Perniagaan PKS BizWin</td><td>Dari 5.0% p.a.</td><td>Sehingga&nbsp; RM1,000,000</td><td>- PKS Malaysia- Minimum 3 tahun beroperasi- Perolehan jualan tahunan antara RM300,000 and RM50 juta</td></tr><tr><td>Hong Leong Bank</td><td>Pinjaman Perniagaan PKS</td><td>Dari 6.3% p.a.</td><td>Sehingga&nbsp; RM1,000,000</td><td>- PKS Malaysia- Minimum 2 tahun beroperasi- Perolehan jualan tahunan antara RM300,000 and RM50 juta</td></tr><tr><td>OCBC Bank</td><td>Pinjaman Tanpa Cagaran BizFinancing</td><td>BLR + 6.0% setahun (Kadar efektif: 12.76% setahun)</td><td>Sehingga&nbsp; RM600,000</td><td>- PKS hak milik rakyat Malaysia- Minimum 3 tahun beroperasi- Semua pengarah/penjamin mestilah warganegara Malaysia.<a href="https://www.ocbc.com.my/business-banking/smes/loans/bizfinancing?utm_source=chatgpt.com">OCBC Bank</a></td></tr><tr><td>Alliance Bank</td><td>Pembiayaan Ekspres PKS Digital</td><td>Dari 5.9% setahun (kadar rata)</td><td>Sehingga&nbsp; RM500,000</td><td>- PKS hak milik rakyat Malaysia- Minimum 1 tahun beroperasi- Hasil jualan tahunan sekurang-kurangnya RM50,000.<a href="https://www.alliancebank.com.my/Business/SME/Alliance-Digital-SME-Express-Financing?utm_source=chatgpt.com">Alliance Bank</a></td></tr></tbody></table>

_Nota: Kadar faedah adalah anggaran dan mungkin berbeza bergantung pada penilaian bank serta keadaan pasaran semasa. Sebaiknya, rujuk terus dengan bank yang berkenaan untuk mendapatkan maklumat yang paling tepat dan terkini._

**2\. Pinjaman Usahawan Wanita**

Pinjaman khusus untuk wanita yang dirangka untuk memenuhi keperluan kewangan bagi usahawan wanita. Pinjaman ini biasanya menawarkan kadar faedah yang lebih rendah dan juga mempunyai kelebihan tambahan seperti program bimbingan.

**Contoh yang Diperluaskan**:

* **BSN DanaNita**: Skim pembiayaan dengan kadar faedah rendah dari Bank Simpanan Nasional khas untuk usahawan wanita, menawarkan pinjaman sehingga RM50,000 dengan bayaran balik yang fleksibel.
* **Pembiayaan Usahawan Wanita Affin**: Menyediakan pinjaman khas untuk wanita dalam perniagaan, yang mudah dicapai dan kadar faedah yang berpatutan.

**3\. Peluang Pembiayaan Mikro**

Pembiayaan mikro adalah pilihan yang baik untuk usahawan berskala kecil yang memerlukan pinjaman kecil dan mungkin tidak layak untuk pembiayaan tradisional.

**Contoh Utama**:

* **TEKUN Nasional**: Menawarkan pembiayaan mikro dari RM1,000 hingga RM100,000, khusus untuk perusahaan mikro dalam sektor seperti makanan, runcit, dan perkhidmatan.
* **Amanah Ikhtiar Malaysia (AIM)**: Menyediakan pembiayaan kepada usahawan wanita berpendapatan rendah, dengan model pinjaman berasaskan kumpulan dan bengkel pembinaan kapasiti.
* **Yayasan Usaha Maju (YUM)**: Khas untuk wanita di Sabah dan Sarawak, YUM menawarkan pinjaman untuk perniagaan kecil dengan proses permohonan yang mudah.

**4\. Inisiatif Kerajaan**

Kerajaan Malaysia memberikan sokongan yang besar kepada usahawan wanita melalui geran, pinjaman, dan program pembangunan kapasiti.

**Program yang Diketengahkan**:

1. **SME Corp Malaysia**: Menawarkan pembiayaan melalui inisiatif seperti Program Pecutan Perniagaan PKS, yang menyokong perniagaan yang dimiliki oleh wanita dengan bantuan kewangan dan perkhidmatan nasihat.
2. **Pinjaman Perniagaan MARA**: Pinjaman ini tersedia untuk wanita Bumiputera, menyokong pelbagai keperluan perniagaan, daripada modal untuk memulakan perniagaan hingga pembiayaan untuk mengembangkan perniagaan.
3. **Program Pembiayaan Usahawan Wanita oleh Agrobank**: Direka khas untuk wanita yang bekerja dalam industri berkaitan pertanian, dengan kadar faedah menarik dan pilihan bayaran balik yang fleksibel.

_**5\. Pilihan Pembiayaan Moden**_

Platform pinjaman P2P menyediakan pilihan pembiayaan alternatif untuk usahawan wanita yang mencari cara moden dan fleksibel. Kaedah ini melibatkan pelabur yang memberi pinjaman secara terus kepada individu dan perniagaan melalui platform dalam talian, tanpa melalui proses bank yang biasa.

**Contoh Utama:**

1. Funding Societies
2. Fundaztic
3. Alixco

Pinjaman P2P memberi banyak kelebihan untuk usahawan. Proses permohonannya dijalankan sepenuhnya secara dalam talian, menjadikannya mudah diakses dan mesra pengguna, dengan syarat penilaian kredit yang kurang ketat berbanding bank tradisional. Selain itu, pinjaman P2P lebih fleksibel kerana biasanya tidak memerlukan cagaran, dan terma boleh disesuaikan jika dipersetujui oleh pemberi pinjaman. Berbeza dengan pinjaman konvensional, kelayakan tidak bergantung sepenuhnya pada hasil pendapatan perniagaan, menjadikan pilihan ini sangat menarik untuk syarikat yang baru bermula dan operasi kecil-kecilan.

Namun, Pinjaman P2P ada juga kelemahannya. Pinjaman jenis ini tidak dijamin oleh kerajaan, jadi peminjam mungkin terdedah kepada risiko yang lebih tinggi. Selain itu, kosnya boleh jadi lebih mahal berbanding pembiayaan tradisional kerana risiko yang ditanggung oleh pemberi pinjaman. Walaupun ada cabaran, platform P2P seperti Funding Societies, Fundaztic, dan Alixco semakin popular di Malaysia. Ia menawarkan bantuan pembiayaan yang moden dan inovatif, terutama untuk usahawan wanita yang mencari modal.

_**6\. Institusi Bukan Bank**_

Jika pinjaman bank tradisional atau geran kerajaan tidak memberi apa yang anda perlukan, institusi bukan bank mempunyai pilihan pembiayaan alternatif.

1. _Koperasi dan Kesatuan Kredit_

Institusi berasaskan ahli ini mengumpulkan sumber untuk menawarkan pinjaman dengan kos rendah. Di Malaysia, koperasi seperti **Koperasi Wanita Malaysia Berhad** fokus pada wanita dengan menyediakan pinjaman berfaedah rendah dan pelan bayaran balik yang mudah.

**Contoh**: 
Cradle Fund, sebuah agensi yang disokong kerajaan, menyediakan pembiayaan awal untuk perniagaan inovatif, termasuk syarikat permulaan yang diterajui wanita dalam industri teknologi dan kreatif.  

_**Kesimpulan dan Langkah-langkah Seterusnya**_

Mendapatkan pembiayaan yang tepat boleh mengubah impian perniagaan anda menjadi kenyataan. Usahawan wanita di Malaysia mempunyai pelbagai pilihan, dari pinjaman PKS dan pembiayaan mikro hingga geran kerajaan dan institusi bukan bank. Dengan memahami keperluan anda dan memadankannya dengan produk kewangan yang sesuai, anda boleh memajukan lagi perniagaan anda.  

**Langkah yang Perlu diambil**:

1. _Kaji Pilihan Pembiayaan_

Terokai peluang pembiayaan yang direka khas untuk industri anda. Cari geran, pinjaman, atau pilihan pelaburan yang selari dengan matlamat perniagaan anda.

1. _Sediakan Rancangan Perniagaan yang Menarik_

Buat rancangan perniagaan yang kukuh dengan unjuran kewangan terperinci untuk tunjukkan potensi perniagaan anda kepada pelabur atau pemberi pinjaman.

1. _Cari Bimbingan Pakar_

Hubungi bank, agensi kerajaan, atau institusi kewangan bukan bank untuk mendapatkan nasihat dan sokongan.

1. _Manfaatkan Platform Bimbingan_

Berhubung dengan profesional berpengalaman melalui platform mentor. Platform ini boleh memberi pandangan berharga, panduan, dan sokongan untuk membantu anda mengurus cabaran pembiayaan dan mengembangkan perniagaan dengan lebih baik.  

**Sumber Utama**:

* [TEKUN Nasional](https://www.tekun.gov.my)
* [Amanah Ikhtiar Malaysia](https://www.aim.gov.my)
* [Bank Negara Malaysia Microfinance](https://www.bnm.gov.my/microfinance)
* [MARA](https://www.mara.gov.my)

Ingat, sumber kewangan hanyalah sebahagian sahaja—kesungguhan dan kreativiti andalah yang akan membawa kepada kejayaan.

Panduan ini berkongsi pelbagai peluang pembiayaan untuk usahawan wanita di Malaysia, seperti pinjaman bank, pembiayaan mikro, inisiatif kerajaan, dan institusi kewangan bukan bank. Tak kira sama ada anda baru sahaja memulakan perniagaan, ingin kembangkan operasi, atau atasi masalah kewangan, pasti ada pilihan yang sesuai dengan keperluan anda.

Panduan Pembiayaan Perniagaan Anda

This guide explores various financing opportunities available to Malaysian women entrepreneurs, including bank loans, microfinancing, government initiatives, and non-bank financial institutions. Whether you’re launching a startup, scaling your operations, or navigating financial challenges, there’s a solution to suit your needs.
