Acting Group President and CEO, Datuk Dr. Mohammad Hardee Ibrahim, highlighted the Bank’s role in nation-building, with over RM1 billion in strategic initiatives under Budget 2025. He noted the inclusion of:
- MySMELady 2.0
- Umbrella Ecosystem Financing
- Dana Kelestarian Alam
- Maju Usahawan Madani
- iTEKAD ISHRAF 4.0
“In line with our developmental mandate, we are pleased to inject more excitement in the MSME sector with the launch of new programmes, forming part of the strategic initiatives exceeding RM1 billion entrusted to SME Bank under the National Budget 2025.
These initiatives, including the MySMELady 2.0, Umbrella Ecosystem Financing, Dana Kelestarian Alam, and Maju Usahawan Madani demonstrate our comprehensive approach to nation-building and our commitment to strengthening the national entrepreneurial landscape. Additionally, we are also proud to roll-out the fourth edition of the SME Bank iTEKAD ISHRAF (“ISHRAF 4.0”), a beyond financing initiative designed to equip the B40 and ASNAF entrepreneurs with the knowledge, skills and resources needed to sustain and grow their businesses.”
As of May 2025, SME Bank has already approved RM2 billion in financing and is well on track to meet its RM3 billion target for the year.
Officiated by Government Leaders
The official launch was graced by Finance Minister II, YB Senator Datuk Seri Amir Hamzah Azizan and Minister of Entrepreneur Development and Cooperatives, YB Datuk Ewon Benedick, underscoring strong governmental support.
Newly Launched Financing Programmes
| Programme | Focus Area | Key Features |
|---|---|---|
| MySMELady 2.0 | Women entrepreneurs | RM100,000–RM3 million financing; 5% p.a.; up to 5 years |
| Umbrella Ecosystem Financing | Bumiputera MSMEs | RM50,000–RM1 million; 4% p.a.; up to 7 years |
| Dana Kelestarian Alam | Low-carbon/sustainable MSMEs | RM100,000–RM5 million; 3.5%–6% p.a.; up to 7 years |
Capacity-Building Programmes
| Programme | Target Group | Objective |
|---|---|---|
| Maju Usahawan Madani (via CEDAR) | General entrepreneurs | Training for ~3,000 entrepreneurs |
| iTEKAD ISHRAF 4.0 | B40 and ASNAF entrepreneurs | Social finance support; target 10% increase in sales for ~400 entrepreneurs |
Existing Financing and Support Programmes
Ongoing Financing Initiatives:
- Vanigham Financing Scheme
- SME Technology Transformation Fund
- HalalBiz Financing
- Social Enterprise Financing Scheme
- Jaguh Serantau
- Business Accelerator Programme (RMK-12)
- Dana Kemampanan PMKS Bumiputera
Capacity-Building Programme:
- Business Export Programme
