Bank Muamalat Malaysia Berhad » PENJANA Tourism Financing

PENJANA Tourism Financing (PTF)

The PENJANA Tourism Financing (PTF) forms part of the Government’s efforts to aid the tourism sector. The purpose of the PTF is to support Malaysian SMEs in the tourism sector, by preserving their capacity and assisting them to adjust and remain viable post COVID-19. In particular, SMEs can utilise the facility to enhance their business models and deploy new practices, including digitalisation.

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Financing Limit

  • Up to RM 300,000.00 for SME; RM 75,000.00 for Micro Enterprise

Financing Tenure

  • Up to 7 years, including 12 months Moratorium

Financing Rates

  • 3.5% per annum


  • Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Guarantee Fee

  • 0.5% Guarantee fee to be absorbed by FI


SMEs, whether Sdn Bhd, sole proprietorship, partnership or limited liability partnership in the core tourism and tourism-related sectors which are either:

  • SMEs (inclusive of SMEs and Micro-Enterprises) as defined by SME Corp Malaysia at point of application; OR
  • Licensed by / registered with MOTAC.

With at least 51% shares held and ultimately controlled by Malaysian citizens.

The eligible sectors are as follows:

Core tourism:

  • 1) Tourism accommodation premises (e.g. budget hotels, registered homestays, chalet and resorts)
  • 2) Travel agencies & tour operators
  • 3) Transportation for tourists (e.g. bus, boat and car rental operators)

Tourism-related sectors:

  • 1) Medical tourism
  • 2) MICE (Meetings, Incentives, Conferences, Exhibitions) ecosystem
  • 3) Money service businesses
  • 4) Tourism-related retail, recreation and wellness which can justify significant reliance on tourists

Penjana eBooklet (Eng)

Download here

Penjana eBooklet (BM)

Download here

PDS Penjana Tourism-Financing-i (PTF)

Download here


PDS Term Financing-i (Tawarruq)

Download here

*Terms and conditions apply.

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