COMPARATIVE TABLE ON PEMBIAYAAN MIKRO PRODUCT FEATURES

BANK SIMPANAN EONCAP ISLAMIC UNITED OVERSEAS

FEATURES AGROBANK BANK RAKYAT ALLIANCE BANK AMBANK CIMB BANK PUBLIC BANK
NASIONAL BANK BERHAD
Public • Headquarters • Kuala Lumpur • 03- 21425258 • Kuala Lumpur • Kuala Lumpur • 1-300-880 900 • 03 - 26161222 / • 1-800-88-3323 • Kuala Lumpur
Hotline 03-27311600 03- 40275208 / 03- 6250 2610 03-21673000 26161133 03- 26128121
• 03- 21623222 • 03 – 2035 2200
Numbers extension 2040 / 10 / 11 extension
extension 7303 • Penang • Penang
2041 / 2036 81421 / 81147 /
• Kota Kinabalu / 7312 / 7322 04 – 540 1100 04- 2401121
82640 / 73879 /
• Kuala Lumpur 088-256657 / 8
• Johor 81228 • Johor Bahru
03 – 26912754
• Kuching 07 – 353 7105 07- 2881121
• Kota Kinabalu
• Johor Bahru 082 – 237159 /
• Kuala 088-280105 • Kuching
07- 2247788 177
Terengganu 082- 287121
• Kuching
• Kota Kinabalu 09 – 630 1290
082-207200 • Kota Kinabalu
082 – 424577
• Sabah 088- 477121
• Kuching 088 - 432 420
088 - 288237

Product Name • Modal Usahawan • Pembiayaan Mikro-i • BSN TemaNiaga • Rakan Personal • AmMikro • Xpress Cash • Pembiayaan • PBMicro Finance • EasiCash
Tani (MUST) (MUsK - Modal Financing Financing-i (Islamic) Peribadi-i Pesara
• BSN TemanMesra
(Conventional and untuk Usahawan (Conventional) Tentera (3P)
Islamic) Koperasi and • Rakan Personal
• Pembiayaan
Hawkers and Petty Financing-i
Peribadi-i Pesara
Traders Association) (Islamic)
Kerajaan (3PK)

Loan Size • RM1,000 – • RM1,000 - • RM5,000 – • RM2,000 – • RM3,000 – • RM3,000 – • RM5,000 – • RM3,000 – RM50,000 • RM5,000 –
RM50,000 RM50,000 RM50,000 RM50,000 RM50,000 RM50,000 RM50,000 RM50,000

Purpose of • Working capital • Working capital • Working capital • Working capital • Working capital • Working Capital • Working capital • Working capital • Working capital
financing • Capital expenditure • Capital expenditure • Capital expenditure • Capital • Capital • Capital Expenditure • Capital expenditure • Capital expenditure • Capital
expenditure expenditure expenditure

Eligible • All sectors of • Agriculture • Manufacturing • All sectors • Retail • All sectors • All sectors • Agriculture • All sectors
Economic economy based on • Services • Retailing • Services and • Services and Trade
Sector product • Retailing and Trade • Services Trade • Manufacturing
• Manufacturing • Wholesale • Manufacturing

Eligible • Micro enterprises • Members of • Self-employed • Self-employed • Individuals • Salaried workers • Ex-army • Self-employed individuals • Self-employed
Customers (including part-time cooperatives and individuals individuals • Sole-proprietors • Self employed • Government • Micro enterprises individuals
micro enterprises) Hawkers and Petty • Micro enterprises • Partnerships individuals (micro pensioner
Traders Association • Private limited enterprises)
• Full-time micro companies
enterprises
• Micro enterprises

Tenure • 3 months - 5 years • 1 month - 5 years • 1 – 5 years • 6 months – 5 • 1 – 5 years • 6 months – 5 years • 3 – 15 years • 1 – 5 years • 2 – 5 years
years
Committed • 4 working days • 10 working days • 7 working days • 2 working days • 5 working days • 1 working day • 5 working days • 5 working days • 2 working days
approval time • Subject to complete • Subject to (upon receipt of
(no. of working documentation complete complete
days) documentation documentation)

Committed • 3 - 5 working days • 1 working day after • 7 working days • 1 working day • 5 working days • 1 day after approval • 3 - 5 working days • PBmicro finance (with SEGS*): • 7 working days
disbursement approval 2 weeks
time (no. of • PBmicro finance (without
working days) SEGS): 7 working days
[*SEGS – Small Entrepreneur
Guarantee Scheme]

Disclaimer: Comparative table displayed here serve only as a guide, not recommendation. Please consult your financial institution before making any decisions
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 BANK SIMPANAN EONCAP ISLAMIC UNITED OVERSEAS
FEATURES AGROBANK BANK RAKYAT ALLIANCE AMBANK CIMB PUBLIC BANK
NASIONAL BANK BERHAD
Eligibility • Age between 21 - • Age between 18 - • Age between 21 - Business Enterprises • Individuals aged • Age between 21 – • Ex-Malaysia Armed Individuals • Age between 21 – 55
Criteria 60 years old 65 years old 60 years old • Operator age between 18 – 60 60 years old Force (under the • Aged between 25 – years old
• At least with 1 year • Cooperative / • Have valid business between 25 - 60 years old (age limit • Minimum of RM800 pension scheme) 60 years old
of business Hawkers and license/ permit/ years old at maturity date) monthly gross • Former civil servant • Have valid business Self-employed
experience Petty Traders registration • Minimum of • Individuals / sole income (under the pension license / permit • Minimum of
• Has valid business Associations • Have been in RM48,000 per proprietors / • 6 months working / 6 scheme) RM30,000 yearly
• Business must be
permission (e.g. member business annum turnover partnerships / months in business • Maximum age income
owner operated and
license, tenant • Belongs to a self- • Maximum private limited upon application: • Minimum 3 years
on a full-time basis
agreement etc) help group RM1million per companies 67 years old consecutively in the
• Have permanent same business
• Full-time owner annum turnover residential address
operating a • Mandatory to open
business savings account and Business Enterprises
• At least with 2 sign up for credit
• Companies
years business protector insurance
registered with
experience
Companies
• Place of Commission of
residence is Malaysia
within the
• Have valid business
business vicinity
license / permit
• Have valid
business license / • Business must be
permit / owner operated and
registration on a full-time basis
• Have relevant
business experience

Common • Identity card • Identity card • Identity card • Identity card • Identity card • Identity card • Identity card • Identity card • Identity card
Documents (borrower and • Proof of business • Proof of business • Proof of business • Proof of business • Proof of business • Pensioner’s card • Proof of business • Proof of business
Required spouse) operations (e.g. operations (e.g. operations (e.g. operations (e.g. operations (e.g. • Business operations (e.g. operations (e.g.
• Proof of business business business business business business registration/ business business registration/
operations (e.g. registration/ registration/ license/ registration/ license/ registration/ license/ registration/ license/ permit/ license registration/ license/ license/ permit)
business license/ permit) permit) permit) permit) permit) permit) • Proof of income (e.g.
registration/ license/ • Proof of income • Proof of income • Proof of income by • Proof of income • Proof of income • Proof of income (e.g. latest Form B/BE -
permit) (e.g. bank (e.g. bank copy of latest 3 (e.g. bank (e.g. bank bank statement) with tax payment
• Proof of income statement) statement) months bank statement) statement) • Utility bills receipt, latest 3
(e.g. bank • Recommendation • Operating statement / • Other relevant • Other relevant months bank
statement)
• Other relevant statements, or latest
letters from panel permits/licenses passbook / or copy documents documents
documents
• Utility bills cooperatives and (applicable only to of business site visit copy of credit/charge
• Other relevant self-help group specific industries report or copy of card(s) of at least 1
documents members such as latest certified year)
transportation, rice financial statement
trading etc) • Utility bills
• Other relevant • Other relevant
documents documents

Product • All Agrobank • All Bank Rakyat • All Bank Simpanan • All Alliance Rakan • All AmBank • All CIMB branches • All EONCAP • All Public Bank • All United Overseas
Delivery branches that branches that Nasional branches branches and branches that that display the Islamic Bank branches that Bank branches that
Channel display the national display the that display the Alliance Bank display the national branches that display the display the national
Pembiayaan Mikro national national branches that national Pembiayaan Mikro display the national Pembiayaan Mikro
logo Pembiayaan Pembiayaan Mikro display the Pembiayaan Mikro logo national Pembiayaan Mikro logo
• All Felda offices Mikro logo logo national logo Pembiayaan logo
that display the • BSN Microfinance Pembiayaan Mikro Mikro logo
national Centers that display logo
Pembiayaan Mikro the national
logo Pembiayaan Mikro
logo

Disclaimer: Comparative table displayed here serve only as a guide, not recommendation. Please consult your financial institution before making any decisions
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