Frequently Asked Questions (FAQ)


What are the available Government Guarantee Schemes (“GGS”) under SJPP?

There are six (6) GGS available namely:

  • Working Capital Guarantee Scheme (WCGS)
  • Working Capital Guarantee Scheme - Start Up (WCGS-SU)
  • Working Capital Guarantee Scheme - Bumiputera (WCGS-B)
  • Working Capital Guarantee Scheme - Export (WCGS-X)
  • Working Capital Guarantee Scheme - Women (WCGS-W)
  • Automation & Digital Guarantee Scheme (ADGS)
What are the eligibility criteria for GGS-Prihatin?
Generally there are three (3) main criterias:
  1. The applicant must be an SME company, whereby:
    Non-Manufacturing: Companies with sales turnover not exceeding RM20.0 million OR full-time employees not exceeding 75 workers
    Manufacturing: Companies with sales turnover not exceeding RM50.0 million OR full-time employees not exceeding 200 workers
  2. The applicant must be incorporated under:
    • Registration of Business Act 1956
    • Companies Act 1965 or 2016
    • Limited Liability Partnership Act 2012
    • Sabah and Sarawak local authorities and district offices
    • Respective Statutory Bodies for professional service providers
  3. The applicant company must be majority owned by Malaysian(s)
Other terms and conditions may apply, depending on the company’s profile and credit assessment by the FI and SJPP.
When can the participating FIs submit a claim on the guarantee? (Claim validity period).

A Notice of Termination has to be issued first to the borrower followed by the Claim Notice. Both Notices must be made within the validity period of the Guarantee.