Pembiayaan kerajaan oleh Bank Negara Malaysia (via participating financial institutions): jumlah ikut penyedia. Pembiayaan BNM untuk PKS & mikro sektor pelancongan teras (penginapan, agensi pelancongan, pengangkutan pelancong).Government financing by Bank Negara Malaysia (via participating financial institutions): amount set by the provider. BNM financing for SMEs & micro-enterprises in core tourism (accommodation, travel/tour operators, tourist transport).
Fakta disahkanVerified facts
| JenisType | Pembiayaan kerajaanGovernment financing |
|---|---|
| PenyediaProvider | Bank Negara Malaysia (via participating financial institutions) |
| JumlahAmount | Tidak dinyatakan pada laman rasmi — sahkan dengan penyedia.Not stated on the official page — confirm with the provider. · Disemak: 2026-09Checked: 2026-09 |
| CagaranCollateral | Biasanya tanpa cagaran (penjamin mungkin diminta)Usually collateral-free (a guarantor may be asked) |
| JaminanGuarantee | Disokong jaminan (cth. SJPP/CGC)Guarantee-backed (e.g. SJPP/CGC) |
Nota: Note: BNM PENJANA Tourism Financing, disbursed via participating financial institutions, guaranteed (SJPP/CGC), no collateral. Verbatim core-tourism scope: "1. Tourism accommodation premises (e.g. budget hotels, registered homestays, chalets and resorts) 2. Travel agencies and tour operators 3. Transportation for tourists". Rate up to 3.5% p.a., tenure up to 7 years. The FAQ states caps of RM75,000 and RM500,000 for "SMEs and micro enterprises respectively" — the ordering is ambiguous/transposed in the official text, so amountMax is left null (confirm the correct cap for your size with a participating FI). This is a PENJANA COVID-recovery facility (FAQ dated 2021) — confirm it is still open.
Mungkin sesuai jika…May fit if…
Ini syarat untuk anda semak sendiri — skim ini biasanya untuk perniagaan yang memenuhi perkara di bawah. Ia BUKAN kelulusan; keputusan milik penyedia.These are conditions for you to self-check — this scheme is usually for businesses that meet the points below. It is NOT an approval; the decision is the provider's.
- perniagaan anda didaftarkan di Malaysia (SSM/ROB/ROC)your business is registered in Malaysia (SSM/ROB/ROC)
- keperluan anda ialah salah satu daripada: modal kerja, kembangkan bisnes, ubah suai premisyour need is one of: working capital, growing the business, renovation
- aktiviti anda dalam bidang tourism (skim ini khusus untuk bidang itu)your activity is in tourism (this scheme is specific to that field)
- bisnes anda pada peringkat sedang berkembang / matang / mantapyour business is at the growth-stage / mature stage
- anda tiada cagaran — skim ini biasanya tanpa cagaran (penjamin mungkin diminta)you have no collateral — this scheme is usually collateral-free (a guarantor may be asked)
Untuk apa ia boleh digunakanWhat it can be used for
- modal kerjaworking capital
- kembangkan bisnesgrowing the business
- ubah suai premisrenovation
Dokumen yang biasanya dimintaDocuments usually asked for
Senarai lazim — syarat tepat berbeza ikut penyedia. Sahkan di laman rasmi.A typical list — exact requirements vary by provider. Confirm on the official page.
- SSM registration
- 6 months bank statements
- owner IC
- latest financials
Cara memohonHow to apply
- Semak syarat di atas dan sediakan dokumen anda.Check the conditions above and prepare your documents.
- Pergi ke laman rasmi Bank Negara Malaysia (via participating financial institutions) dan baca terma semasa (had, kadar, tempoh berubah).Go to the official site of Bank Negara Malaysia (via participating financial institutions) and read the current terms (limits, rate, tenure change).
- Hantar permohonan PENJANA Tourism Financing (PTF) TERUS kepada Bank Negara Malaysia (via participating financial institutions) — BijakDana tidak memproses permohonan.Submit your PENJANA Tourism Financing (PTF) application DIRECTLY to Bank Negara Malaysia (via participating financial institutions) — BijakDana does not process applications.
BijakDana bukan Bank Negara Malaysia (via participating financial institutions) dan tidak memproses permohonan. Kami tunjukkan skim yang mungkin sesuai; keputusan kelulusan milik penyedia.BijakDana is not Bank Negara Malaysia (via participating financial institutions) and does not process applications. We show schemes that may fit; the approval decision is the provider's.
SumberSources
Data disemak: 2026-09.Data checked: 2026-09.
Soalan lazimFAQ
Apa itu PENJANA Tourism Financing (PTF)?
Pembiayaan kerajaan oleh Bank Negara Malaysia (via participating financial institutions): jumlah ikut penyedia. Pembiayaan BNM untuk PKS & mikro sektor pelancongan teras (penginapan, agensi pelancongan, pengangkutan pelancong). BNM PENJANA Tourism Financing, disbursed via participating financial institutions, guaranteed (SJPP/CGC), no collateral. Verbatim core-tourism scope: "1. Tourism accommodation premises (e.g. budget hotels, registered homestays, chalets and resorts) 2. Travel agencies and tour operators 3. Transportation for tourists". Rate up to 3.5% p.a., tenure up to 7 years. The FAQ states caps of RM75,000 and RM500,000 for "SMEs and micro enterprises respectively" — the ordering is ambiguous/transposed in the official text, so amountMax is left null (confirm the correct cap for your size with a participating FI). This is a PENJANA COVID-recovery facility (FAQ dated 2021) — confirm it is still open.
Berapa banyak boleh saya dapat daripada PENJANA Tourism Financing (PTF)?
Jumlahnya tidak dinyatakan pada laman rasmi yang boleh kami sahkan — sahkan dengan Bank Negara Malaysia (via participating financial institutions).
Adakah BijakDana beritahu saya layak untuk PENJANA Tourism Financing (PTF)?
Tidak. Kami hanya tunjukkan syarat yang biasanya diminta supaya anda boleh semak sendiri. Keputusan kelulusan milik penyedia.
Adakah BijakDana broker pembiayaan?
Tidak. BijakDana bukan Bank Negara Malaysia (via participating financial institutions) dan tidak memproses permohonan. Anda memohon terus kepada penyedia.