Ministry of Entrepreneur Development and Cooperatives (KUSKOP) & Agencies Programmes

SME Bank Malaysia

Programme Objective

  • Expanding entrepreneurship programs sustainably to benefit a larger number of underserved MSMEs, ultimately driving greater trickle-up growth for the country by broadening program outreach, fostering collaborations with additional agencies and engaging more business associations.

Programme Information

Maju Usahawan Madani 2.0 (MUM 2.0)

Programme Objective

  • To provide financial assistance to MSMEs that implement technological transformation and/or the adoption of Industry 4WRD in their operations.

Programme Information

SME Technology Transformation Fund (STTF)

Programme Objective

  • To provide financial assistance to micro, small and medium enterprises (“MSMEs”) to adopt digitalisation and/or apply IR4.0 and the transition to smart factory in their business operations in achieving higher productivity, process efficiency, efficient cost management and greater market penetration.

Programme Information

Technology Adoption Fund (TECHAD)

Programme Objective

  • Financing for the purchase of business assets and/or working capital requirements for companies with the status of or aspiring to be an ‘Anchor’, ‘Franchisor’, and ‘Licensor’.

Programme Information

Dana Induk Payung (DIP)

Programme Objective

  • Financing to support contractors, manufacturers, and installers of IBS.

Programme Information

Dana Pemangkin Ekosistem IBS 3.0 (IBS3.0)

Programme Objective

  • Financing to support Bumiputera SMEs with the potential to become regional champions.

Programme Information

Program Jaguh Serantau (JS)

Programme Objective

  • Financing program for the purpose of asset acquisition and/or working capital requirement for Micro, Small and Medium Enterprises (MSME) to transform towards low-carbon and sustainable business operations.

Programme Information

Dana Kelestarian Alam (DKA)

Programme Objective

  • Financing program to encourage participation of MSMEs in the Halal industry ecosystem in Malaysia.

Programme Information

Program Pembiayaan Halalbiz (HALALBIZ)

Programme Objective

  • Financing facilities for women entrepreneur for asset acquisition and/ or working capital requirement to elevate their business to a higher level in terms of production capacity, market penetration and competitiveness

Programme Information

MySMELady 2.0 (SMELady)

Programme Objective

  • Financing facility for Bumiputera MSMEs under the Umbrella Financing Program, to start new business or diversify the existing businesses.

Programme Information

Pembiayaan Ekosistem Payung

Programme Objective

  • Financing for Social Enterprises (SE) to develop and elevate their businesses to a higher level.

Programme Information

Skim Pembiayaan Perusahaan Sosial (SPPS)

Programme Objective

  • To support government’s initiatives to increase export sales of SMEs.

Programme Information

Business Export Program (BEP)

Programme Objective

  • Financing programme for SMEs to support the Government’s efforts in developing the tourism industry.

Programme Information

Tabung Khas Pelancongan (TKP 2026)