Small Debt Resolution Scheme (SDRS)


To provide assistance to viable small and medium scale enterprises (SMEs) that are constrained by non-performing loans/financing (NPL/NPF) and distressed SMEs with performing loans/financing under multiple participating financial institutions (PFIs), by facilitating restructuring or rescheduling and where appropriate, providing new financing.

Participating financial institutions / Implementing Ministry / Agency

  • All commercial banks and Islamic banks
  • Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat)
  • Bank Pembangunan Malaysia Berhad
  • Bank Pertanian Malaysia Berhad (Agrobank)
  • Bank Perusahaan Kecil & Sederhana Malaysia Berhad (SME Bank)
  • Export-Import Bank of Malaysia Berhad (EXIM Bank)

Scheme Mechanism
The scheme involves those applications for restructuring or rescheduling that are submitted under SDRS to PFIs for their consideration. In the event these applications are declined by the PFIs, a dedicated committee, i.e. the Small Debt Resolution Committee (SDRC) established by Bank Negara Malaysia will then undertake an independent assessment on the viability of the business and may propose restructuring or rescheduling if eligible, and new financing, where necessary. New financing will be sourced from existing SME funds and schemes established by Bank Negara Malaysia.

Eligibility criteria

  • Malaysian owned company (at least 51%) and institution registered under the Companies Act 1965, Registration of Businesses Act 1956, Societies Act 1966 or the Cooperative Societies Act 1993 under all economic sectors;
  • Business enterprises with full-time employees not exceeding 150 or annual sales turnover not exceeding RM25 million;
  • Business related financing (excluding share financing and personal consumption);
  • SMEs with NPLs/NPF or distressed SMEs with performing loans/financing under multiple PFIs; and
  • Applicant must have on-going business.

Application procedure

Applicants must use SDRC application form obtained from PFIs or the SDRC Secretariat. The application form (including list of documents required) can also be printed in pdf format

The completed application form together with all required documents should be submitted directly to the PFIs where the accounts are maintained or the SDRC Secretariat.


SDRC Secretariat
Development Finance and Enterprise Department
Bank Negara Malaysia (BNM)
Jalan Dato' Onn
50480 Kuala Lumpur

Tel: 1-300-88-5465 or 1-300-88-LINK
Website: www.bnm.gov.my



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