BUSINESS IN TRANSFORMATIONThe BIT programme is designed to help small scale entrepreneurs to become more
competitive and systematic in conducting businesses. Through effective training and
financing opinions, we can help you grow your business and provide the opportunity
eventually transform then business into a franchise
More Info
  • Identify, create and develop small enterprises that have products and services using a modern marketing approach, low set up and new technologies
  • The financing is for small entrepreneurs under the BIT Program to help them with the prototype outlet setup and for other capital expenditure requirement
  • Aged 21 years and above
  • Syariah-compliant business
  • Registered with the Companies Commission of Malaysia (SSM)
  • The brand must be registered with the Intellectual Property Corporation of Malaysia (MyIPO)
  • Owns at least one (1) outlet/kiosk/stall/agent and has been in operations for at least one (1) year
  • Company and the business owner(s) are free from any legal action and not declared bankrupt
  • Attended courses organised by Pernas
  • Profitable and viable business
  • Brand name is recognized locally

Financing Mode

  • Islamic Financing Scheme (Tawarruq concept)

Financing Size

  • Up to RM500,000
    Financing margin of up to 90% from the project cost

Profit Rate

  • BFR + up to 5%

Financing Tenure

  • 5 years