Penjana Tourism Guarantee Scheme (PTGS)

All sectors listed on Page 3 of BNM e-booklet except for tourism accommodation premises and money changing operators.

The eligible sectors are as below:

Main Tourism:

• Travel agency and travel operator
• Transportation for tourism (ie. Bus operator, Boat, Car Rental)

Related Tourism:

• Medical tourism
• Meeting ecosystem, incentives, conference, exhibition (Meetings, Incentives, Conferences, Exhibitions, MICE)
• Retail business, recreational and health related to tourism which proven that their business has strong relationship with tourist

Term Loan / Term Financing

For working capital only.

Not applicable for refinancing of existing credit/financing facilities.

SMEs: Up to RM300k per SME; and

Micro enterprises: Up to RM75k per micro enterprise

The common limit will apply for SMEs’ associate companies with common shareholding of more than 20%

For SMEs - up to 7 years

For Micro enterprises - up to 5 years

6 months

Interest / Profit charges for the 6 months payment deferment will be accrued. The amount will be knocked-off against payment made by the customer after the payment deferment period. Thereafter, the amount will reduce the principal balance.

3.5% p.a. (inclusive of guarantee fee)

• Latest 6 months bank statement
• Copy of directors’ identity card
• Business registration related documents
• Audited/management accounts of the last 2 financial years

• Business in operation for a minimum of 3 years
• Customer with turnover of up to RM25 million
• Positive net worth company (for negative net worth company, they are allowed to increase paid up capital prior to disbursement of financing)
• Recipients of Special Relief Facility (SRF) and / or PENJANA SME Financing (PSF) are not eligible

Terms and conditions apply

Click for Penjana Tourism Guarantee Scheme (PTGS) Product Disclosure Sheet (English | Bahasa Malaysia)