Penjana Tourism Financing (PTF)

PTF facility support Malaysian micro, small and medium enterprises (MSMEs) in the tourism sector, by preserving their capacity and assisting them to adjust and remain viable post COVID19.

Financing Rate
Up to 3.5% p.a.
Financing Amount

Up to RM500,000 (SMEs)/ Up to RM75,000 (Micro Enterprises)
Financing Tenure

Up to 7 years


Enhanced Access to Financing
Support for Tourism Recovery
Flexible Financing Options
Business Expansion and Upgrades
Job Preservation and Creation
Economic Stimulus

Eligible Sectors

1. Core Tourism

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

2. Tourism-Related Sectors

  • Medical tourism,
  • MICE (Meetings, Incentives, Conferences, Exhibitions) ecosystem,
  • Money services businesses – applicable to money changing operators who mainly serve inbound and outbound tourists,
  • Capacity building institutions which are primarily,
  • Set up to provide tourism related courses/training,
  • Tourism-related retail, recreation and wellness,
  • Which can justify signicant reliance on tourists.

Financing Amount

  • Up to RM500,000 For SMEs
  • Up to RM75,000 For Microenterprises

Financing Rate

  • Up to 3.5% p.a

Repayment Deferment

  • Minimum 6 months

Option: SMEs can make interest/profit only payments for an additional period of 12 months.

Financing Tenure

  • Up to 7 years

– SMEs can now utilise up to 50% of the PTF financing amount obtained to refinance existing business financing* from financial institutions and other sources including credit/ leasing companies.
– Recipients of Special Relief Facility (SRF) or PENJANA SME Financing (PSF) are eligible to apply.
*Existing business financing excludes financing obtained under BNM’s Fund for SMEs.

*Terms and conditions apply.

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2024-06-13 08:48:21