Government Guarantee Scheme MADANI (GGSM)


Syarikat Jaminan Pembiayaan Perniagaan (SJPP)


To provide financing assistance to Small and Medium Enterprises (SMEs) and Mid-Size Companies (MSCs) by providing Government guarantees to the participating Financial Institutions (FIs) for the financing provided for all economic sectors particularly focusing on four (4) sectors:

  • High Technology
  • Agriculture
  • Manufacturing
  • Tourism

Funding Amount

Financing Limit*:
Up to RM30.0 million per company for the 4 sectors below:

  • High Technology
  • Agriculture
  • Manufacturing
  • Tourism

Up to RM20 million per company for all other sectors.
*This is subject to the aggregate Group Limit not exceeding the RM50 million financing limit for all other schemes under SJPP including this scheme.

Guarantee Coverage:

  • Up to 90% guarantee of the financing obtained from the participating FIs(including principal and interest/ profit) for the 4 focus sectors. The financing limit eligible for the 90% guarantee coverage shall be capped at RM10.0 million per company.
  • Up to 80% for all other sectors.

Purpose of Financing


Open to all entities (SMEs and MSCs) in all industries with annual revenue of not more than RM500 million based on their audited accounts (or relevant income tax returns where applicable) for any of the financial year ending 2019 or later:

  • Sole proprietorships owned by a Malaysian Citizen;
  • Partnerships, and Limited Liability Partnerships controlled and majority owned by Malaysian Citizens; or
  • Companies with at least 51% shares held and controlled by Malaysian Citizens

Which are duly registered with:

  • Companies Commission of Malaysia either under the Registration of Business Act (1956) or the Companies Act (1965/ 2016) or Limited Liability Partnership Act (2012); or
  • Respective authorities or district offices in Sabah and Sarawak; or
  • Respective statutory bodies for professional services providers


  • Entities that are public-listed on the main board, Government-linked companies (GLCs), Syarikat Menteri Kewangan Di Perbadankan (MKDs), and State-owned enterprises
  • Subsidiaries with at least 51% shares of the entities, mentioned in No. i above
  • Civil servants, who are currently in service, except with prior written approval from the employer – Majikan/ Ketua Jabatan

Scope of Funding

Term Loan/ Term Financing-i, Overdraft/ Cash Line-i, Revolving Credit/ Revolving Facility-i and Trade/ Trade-i Facility

Application Procedure

Fill the form to get the application procedure link

Financing Centre Survey Form

Thank you for visiting our Financing Centre page in the I-OGSE Portal

We would like to obtain your feedback on the challenge concerning access to finance to enhance our understanding of companies’ needs and how MPRC can assist to address the challenges.

Your response would be highly appreciated.