Small Debt Resolution Scheme (SDRS)

• As a continuing effort by BNM to assist SMEs with ongoing businesses, specifically to resolve non-performing loans / financing (NPLs / NPF) of SMEs in an efficient and objective manner
• To support viable businesses facing difficulties by facilitating rescheduling or restructuring of financing facilities, and where appropriate, providing new financing.
• To ensure that financial institutions play an effective role in facilitating the rehabilitation of viable SME customers facing financial difficulties.

• Malaysian-owned (at least 51%) companies and institutions registered under the Companies Act 2016, Registration of Business Act 1956, Societies Act 1966 or the Cooperative Societies Act 1993.
• SMEs as per BNM definition.
• SMEs with non-performing financing or SMEs facing financial difficulties with facilities from multiple financial institutions.
• The financing was granted for business-related purposes only.
• Applicants must have an on-going business and SMEs from all economic sectors are eligible for this scheme.

Ineligibility:

• Share financing and financing for personal consumption are not eligible under the SDRS.

• BNM acts as the Secretariat for the Small Debt Resolution Committee (SDRC).
• The SDRC comprises 11 committee members, two of which are representatives of BNM.

New Financing Under SDRS

• Where new financing is deemed justified, it shall be granted under existing SME financing schemes established by BNM (i.e. existing BNM’s fund available)
• Participating FIs / IFIs shall seek confirmation from the Secretariat on the appropriate BNM financing schemes, from which new financing will be granted
• All features of eligibility are according to each BNM fund guidelines.

Terms and Conditions apply.