BizJamin-i RAKYAT2E



  • BizJamin-i RAKYAT2E is a collaborative initiative between CGC and Bank Kerjasama Rakyat Malaysia Berhad, aimed in providing financing to Micro SMEs for their business needs.

Purpose of Financing

  • Working capital; and/or
  • Capital expenditure

Eligibility Criteria

  • Business is Malaysian-controlled and Malaysian-owned with at least 51% shareholding;
  • Any business registered with SSM or authorities/district offices in Sabah/Sarawak, including:

i) Sole Proprietorship;

ii) Partnership;

iii) Limited Liability Partnership; or

iv) Private Limited Company.

  • Business must meet the definition of Micro category issued by SME Corporation Malaysia(for details, please click here);
  • Minimum key person/management’s age at the point of application shall be between 21 years old and 65 years old upon full settlement;
  • Business has been in operation for at least six (6) months and resided at the business premise under the same key person and similar business nature;

i) iTEKAD participants; or

ii) Informal micro customer; or

iii) Home-based business.

  • Business key person/management have completed and attended the iTEKAD programme and / or attended any of the following business courses organised by:

i) Bank Kerjasama Rakyat Malaysia Berhad; or

ii) INSKEN (National Entrepreneurship Institute); or

iii) Other training available that can be accepted by Bank Kerjasama Rakyat Malaysia Berhad (conditions must be completed before approval).

Maximum Financing Limit

  • Up to RM10,000.00

Maximum Financing Tenure

  • Up to five (5) years

Type of Financing Facilities

  • Term Financing

Guarantee Cover

  • 80%

*Guarantee Fee is borne by the Bank

Participating Financial Institutions

  • Bank Kerjasama Rakyat Malaysia Berhad

Profit Rate

  • 7.5% p.a. (flat rate)

*subject to revision (if any) by Bank Kerjasama Rakyat Malaysia Berhad

Application Procedures

  • Applicants are to submit application to CGC for guarantee cover approval.
  • Approved application for successful applicants will be submitted by CGC to Bank Kerjasama Rakyat Malaysia Berhad for financing application processing.

Application Period

  • The scheme is made available until the exhaustion of allocation, or subject to further notice.

Leave your contact details here and we will get back to you.

Your Name:


Contact Number:


We wish to inform that CGC does not appoint any Third Party to act for and/or on behalf of CGC with regard to its products and services.

In the event you are approached by a Third Party impersonating as an agent of CGC or purporting to be CGC's representative or have any information in relation to the same, please alert / contact us at:

Client Service Centre -
CGC Branches -