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The B.I.T programme is a business transformation programme for small entrepreneurs to become more competitive and systematic in conducting business to gain more profit and develop their business effectively. The programme also trains entrepreneurs to be more competitive in the market and in turn build a franchise from the business.
arrow Criteria of Programme Participants
  • Malaysian Citizens aged 21 years and above
  • Businesses based on Syariah (Islamic Law)
  • Registered with the Companies Commission of Malaysia (SSM)
  • In operation for at least 2 years
  • Owner is not certified as bankrupt and free from any legal action
  • Able to adapt to the R.E.K.A concept
  • Attend courses organised by the PNS Academy
  • Owns at least 2 outlets/kiosk/stalls/agents
  • Business proves profitable and viable
  • Interested in expanding the business
  • Brand name is recognised locally
  • Has a support chain system beginning from production – distribution – logistics – mobile business/permanent kiosK
arrow Benefits Of Participating In The B.I.T Programme
  • Assist in changing the business into a more modern concept
  • Enable small entrepreneurs to become more competitive
  • Enable small entrepreneurs generate higher income through a more effective business model
  • Enables entrepreneurs to expand their business by offering the chances to others
arrow Financial Facilities Under the B.I.T Programme
  • Financing up to RM25,000.00
  • Financing margin up to 90%
  • Profit charges at a rate of 3%
  • Service Fee : RM 50.00
  • Type of Financing: Tawarruq
  • Finance Duration: Up to 5 years (Collection of repayment to PNS will be performed by the Licensor)
  • Financing up to RM 500,000.00
  • Financing margin up to 90%
  • Profit charges at a rate of 3.5%
  • Service Fee: RM50 minimum or 1% from total financing whichever is highest
  • Type of Financing: Tawarruq
  • Finance Duration : up to 5 years

Do you know that your monthly financing installment payment can be made via JOMPay?

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