Small Debt Resolution Scheme

Main Objective: To provide assistance to viable small and medium enterprises (SMEs) that are constrained by non-performing loans (NPLs), by facilitating loan restructuring and providing financial assistance.

Participating Financial Institutions:

  • All Commercial& Islamic  Banks

  • Bank Pembangunan Malaysia Berhad (BPMB)

  • SME Bank Berhad

  • Export-Import Bank of Malaysia Berhad (EXIM Bank)

  • Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)

  • Bank Pertanian Malaysia Berhad (AgroBank)

Eligibility Criteria : SMEs in all economic sectors that fulfill the following criteria :

  • Malaysian owned (at least 51%) companies and institutions registered under the Companies Act 1965;

  • Business enterprises with full-time employees not exceeding 150 or annual sales turnover not exceeding RM25 million;

  • Aggregate outstanding NPL of not more than RM3 million;

  • The NPLs must only be for business-related loans (to exclude share financing and loans for personal consumption); and

  • Applicants must have on-going business.

Features:

  • Loan restructuring : NPLs of viable applicants will be restructured, and new financing will be provided if required.

  • Allocation - RM800 million

  • Financing rate - 5.0% p.a.

  • Maximum tenure - 5 years

  • Maximum funding per customer - RM1.5 million

  • Purpose of financing
         F Expansion of production capacity;
    F  Working capital.

Application procedure Standard application form can be obtained and submitted through any participating financial institutions, or the SDRS Secretariat or downloading the form from www.smeinfo.com.my. Completed form together with relevant supporting documentation should be forwarded directly to the relevant participating financial institutions or the SDRS Secretariat addressed as below : 

Development Finance and Enterprise Department
Level 9, Blok C,
Bank Negara Malaysia
Jalan Dato' Onn, 50490 Kuala Lumpur
Website: www.bnm.gov.my

Back to Home