Ikut negeriBy state

Pembiayaan PKS di SabahSME financing in Sabah

Skim negeri Sabah yang kami boleh sahkan, dan skim nasional yang terpakai di seluruh Malaysia — dengan sumbernya. Mungkin sesuai, bukan jaminan kelulusan.The Sabah state schemes we can verify, plus the national schemes that apply across Malaysia — with their sources. May fit, never a promise of approval.

Cari skim untuk bisnes sayaFind schemes for my business Nilai bisnes andaValue your business

Skim khas negeri SabahSabah state schemes

Dikendalikan oleh badan negeri Sabah — biasanya untuk perniagaan yang beroperasi/berdaftar di negeri ini. Sahkan syarat dengan penyedia.Run by Sabah's state body — usually for businesses operating/registered in the state. Confirm the terms with the provider.

Skim Pinjaman Usahawan (Yayasan Usaha Maju) Yayasan Usaha Maju (YUM), Kerajaan Negeri Sabah

Pembiayaan mikro untuk usahawan Sabah (agensi kredit mikro negeri)Micro-financing for Sabah entrepreneurs (state micro-credit agency)

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →

Agensi negeri untuk dihubungiState agency to contact

  • Yayasan Usaha Maju (YUM) — agensi di bawah Kementerian Kewangan Negeri Sabah yang mengendalikan Skim Pinjaman Usahawan.Yayasan Usaha Maju (YUM) — an agency under Sabah's State Finance Ministry that runs the Skim Pinjaman Usahawan (entrepreneur loan). · laman rasmiofficial site

Skim nasional (terpakai di Sabah)National schemes (apply in Sabah)

Terbuka kepada PKS di seluruh Malaysia, termasuk anda. Kelayakan masih ditentukan penyedia.Open to SMEs across Malaysia, including yours. The provider still decides eligibility.

TEKUN Nasional TEKUN Nasional

Pembiayaan mikro untuk usahawan kecil & bumiputeraMicro-financing for small & bumiputera entrepreneurs

RM300,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
BSN MikroKredit Bank Simpanan Nasional

Pinjaman mikro & bisnes kecilMicro & small-business loans

RM50,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
SME Bank Financing SME Bank Malaysia

Pembiayaan PKS merentasi sektorSME financing across sectors

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Bank Rakyat SME Financing Bank Rakyat

Pembiayaan Islamik untuk PKSIslamic SME financing

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Bank Islam SME Financing Bank Islam Malaysia

Pembiayaan Islamik PKS (modal kerja & aset)Islamic SME financing (working capital & assets)

RM1,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
CGC Loan Guarantee Credit Guarantee Corporation

Jaminan pinjaman untuk PKS tanpa cagaranLoan guarantees for SMEs without collateral

RM10,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
BNM Fund for SMEs Bank Negara Malaysia (via participating banks)

Dana BNM untuk PKS (melalui bank peserta)BNM-backed SME funds via participating banks

RM10,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
Funding Societies Financing Funding Societies Malaysia

Pembiayaan modal kerja & invois (P2P berlesen)Working-capital & invoice financing (licensed P2P)

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
Nilai bisnes anda duluValue your business first

Sebelum memohon, tahu nilai bisnes anda — ia membentuk berapa yang munasabah untuk dipinjam dan apa yang pembiaya lihat.Before applying, know what your business is worth — it shapes how much is reasonable to borrow and what financiers look at.

Nilai bisnes anda →Value your business → · Cara nilai dikiraHow value is calculated

Soalan lazimFAQ

Ada skim pembiayaan khusus untuk usahawan di Sabah?

Skim Pinjaman Usahawan (Yayasan Usaha Maju).

Adakah BijakDana beritahu saya layak?

Tidak. Kami hanya kata sesuatu skim mungkin sesuai. Kelayakan ditentukan oleh penyedia.

Adakah BijakDana broker pembiayaan?

Tidak. BijakDana bukan pemberi pinjaman dan tidak menjadi broker pembiayaan. Anda memohon terus kepada penyedia.

Data disemak: 2026-09.Data checked: 2026-09.