Shariah-Compliance SME Financing Scheme (SSFS)

Shariah-Compliance SME Financing Scheme (SSFS)

Due to the spread of the COVID-19 pandemic which has had a significant impact on world economic development, Al-Rajhi Banking & Investment Corporation (Malaysia) Bhd is offering the SHARIAH-COMPLIANCE SME FINANCING SCHEME (SSFS) for Small and Medium Enterprises (SME) clients.


SSFS is a Shariah-Compliant SME Financing Scheme offered by Al-Rajhi Banking & Investment Corporation (Malaysia) Bhd with rebate arrangement to the approved Small and Medium Enterprises (SME) clients. This program is helping SME customers where the government has agreed to pay two per centum (2%) per annum of profit rate paid by the SME clients in the form of subsidized profit.

Purpose of Financing
The scope of financing may include the following: 
1. Working Capital;
2. Purchase of assets; and
3. Upgrading of businesses
Subsidy Rate 2% of the profit rebate charged on the financing provided

Financing Amount

Up to RM5 million per SME based on :

- The approved amount aggregated based on all financing provided under this scheme from all Participating Financial Institutions

- SMEs with common controlling shareholders and/or directors except for nominee directors appointed by multinational investors.

Tenure of Financing Up to five (5) years.
Application Period The applications open until 31 December 2020 or until the scheme limit is fully utilised, whichever comes earlier.

For more information please contact 03-2301 7238 or 03-2301 7617



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