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TemaNiaga-i Murabahah


TemaNiaga-i Murabahah scheme is fully shariah compliant. It’s designed to help your business grow, whether you’re in the manufacturing, service, retail or wholesale industry.


» Financing Amount: RM5,000.00 - RM50,000.00
»  Financing Period: 1-5 years.
» Business Sectors:

1. Manufacturing
2. Service
3. Retail / Wholesale


» Malaysian citizens aged 21-60 years old.
»  Self-employed individual / micro enterprise.
» Owns a valid business registration and / or business license.
» Business / company has been operating for at least 2 years.
»  Business operates on full-time basis.
» Without guarantor or with guarantor earning RM2,000 per month.
» Guarantors comprised business partners / shareholders / directors (if applicable).

Required Documents

For Individual ApplicantFor Guarantor
» 2 copies of NRIC (front and back). » 2 copies of NRIC (front and back).
» A copy of business registration or business license. » Original and copy of Salary Slip (for past 3 months).
» Bank Statements for the past 6 months (if applicable). » A copy of Income Tax Statement
(if applicable).
» A copy of Account Passbook including BSN accounts (if applicable). » A copy of EPF Statement (if applicable).
» Other documents related to the business. E.g: utility bills, business premise's tenancy agreement » Confirmation Letter from Employer (if applicable).
» Sales Records for the past 6 months
(if applicable)


Profit rates offered from as low as 6.38% (terms and conditions apply).

How do I Apply?

» Simply fill up the Micro Finance Application Form and send it to us!