How SMEs can improve chances for getting funds


DESPITE significant government initiatives to bolster the growth of small and medium-sized enterprises (SMEs), including a noteworthy allocation of RM50bil under Budget 2026 and an additional RM10bil earmarked for financing and guarantees, many SMEs continue to face substantial challenges in obtaining financing from various banks.

The government’s strategy includes providing guarantees to financial institutions as collateral for SME financing through Syarikat Jaminan Pembiayaan Perniagaan (SJPP), which is under the purview of the Finance Ministry.

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Monthly Plan

RM 13.90/month

RM 11.12/month

Billed as RM 11.12 for the 1st month, RM 13.90 thereafter.

Best Value

Annual Plan

RM 12.33/month

RM 9.87/month

Billed as RM 118.40 for the 1st year, RM 148 thereafter.

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Economy; SMEs

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