{"id":6046,"date":"2024-11-13T05:53:11","date_gmt":"2024-11-13T05:53:11","guid":{"rendered":"https:\/\/punb.benova.com.my\/?page_id=6046"},"modified":"2024-12-26T07:11:18","modified_gmt":"2024-12-26T07:11:18","slug":"home","status":"publish","type":"page","link":"https:\/\/punb.benova.com.my\/ms\/","title":{"rendered":"Utama"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"6046\" class=\"elementor elementor-6046\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d79cf96 e-con-full e-flex e-con e-parent\" data-id=\"d79cf96\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2fa011d e-flex e-con-boxed e-con e-child\" data-id=\"2fa011d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bd09189 e-con-full e-flex e-con e-child\" data-id=\"bd09189\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8386791 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8386791\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:150}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><span style=\"font-weight: 400\"><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\">Menerajui Perjalanan<\/font><\/font><\/span><br class=\"mobile-tablet-none;\"><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\">Kecemerlangan Keusahawanan Bumiputera<\/font><\/font><\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df2ef87 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"df2ef87\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>PUNB memperkasa usahawan Bumiputera melalui pembiayaan dan sokongan perniagaan dalam mencapai kejayaan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-27e8032 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"27e8032\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:800}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-189d4b1 elementor-widget elementor-widget-button\" data-id=\"189d4b1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/ms\/products-services\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Teroka Penyelesaian Kami<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a857f6f elementor-widget elementor-widget-button\" data-id=\"a857f6f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/ms\/about-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Lebih Lanjut Tentang PUNB<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d7e7fe9 e-flex e-con-boxed e-con e-child\" data-id=\"d7e7fe9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-68fa236 e-con-full e-flex e-con e-child\" data-id=\"68fa236\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbb70be elementor-widget__width-auto elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"fbb70be\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"#scroll-more\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19\" height=\"55\" viewbox=\"0 0 19 55\" fill=\"none\"><path d=\"M9.5 0.904297V54.4043\" stroke=\"white\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M0.5 45.4043L9.5 54.4043L18.5 45.4043\" stroke=\"white\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42375bb elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"42375bb\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">SKROL UNTUK MAKLUMAT LANJUT<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba2dff4 e-flex e-con-boxed e-con e-parent\" data-id=\"ba2dff4\" data-element_type=\"container\" id=\"scroll-more\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c6158c5 e-con-full e-flex e-con e-child\" data-id=\"c6158c5\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-32f92a9 e-con-full e-flex e-con e-child\" data-id=\"32f92a9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e35bee elementor-invisible elementor-widget elementor-widget-image\" data-id=\"6e35bee\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"700\" height=\"700\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/girl-with-coffee-machine-img-1.jpg\" class=\"attachment-full size-full wp-image-6205\" alt=\"\" srcset=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/girl-with-coffee-machine-img-1.jpg 700w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/girl-with-coffee-machine-img-1-300x300.jpg 300w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/girl-with-coffee-machine-img-1-150x150.jpg 150w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38b0c69 e-con-full e-flex e-con e-child\" data-id=\"38b0c69\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ada7308 elementor-widget elementor-widget-heading\" data-id=\"ada7308\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mendorong Pertumbuhan Perniagaan dengan <span class=\"pink-color\">Pembiayaan PUNB<\/span><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c24035c elementor-widget elementor-widget-text-editor\" data-id=\"c24035c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>PUNB menawarkan pembiayaan perniagaan untuk membangun dan memperkasa usahawan Bumiputera serta perniagaan mereka agar lebih berdaya saing dan berdaya tahan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26434b1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"26434b1\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f680cd elementor-widget elementor-widget-text-editor\" data-id=\"8f680cd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Skim Pembiayaan<\/strong><br \/>Terokai skim pembiayaan kami yang dirangka khusus bagi menyokong dan mencapai penyelesaian pelbagai keperluan perniagaan untuk setiap usahawan.<\/p><p><strong>Program Pembiayaan<\/strong><br \/>Ketahui program pembiayaan komprehensif kami yang menawarkan sokongan dan pembiayaan teguh untuk membantu perniagaan anda berkembang.<\/p><p><strong>Direktori Rakan Usahawan<\/strong><br \/>Terokai pelbagai jenis perniagaan yang diperkasakan oleh pembiayaan PUNB. Kenali usahawan Bumiputera dan kisah kejayaan mereka yang telah memacu pertumbuhan ekonomi Malaysia.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b88ddf5 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"b88ddf5\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/ms\/products-services\/business-financing\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"arrow-up-right-svg\" width=\"18\" height=\"18\" viewbox=\"0 0 18 18\" fill=\"none\"><path d=\"M1 17L17 1\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4 1H17V14\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ketahui segala tentang Pembiayaan Perniagaan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-149b015 custom-pink-gradient e-flex e-con-boxed e-con e-parent\" data-id=\"149b015\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a893caa e-con-full e-flex e-con e-child\" data-id=\"a893caa\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bc8a7e0 e-con-full e-flex e-con e-child\" data-id=\"bc8a7e0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0959130 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0959130\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perkhidmatan Utama<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-88d8859 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"88d8859\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4114151 e-con-full e-flex e-con e-child\" data-id=\"4114151\" data-element_type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-97ad226 e-con-full service-box e-flex e-con e-child\" data-id=\"97ad226\" data-element_type=\"container\" href=\"\/ms\/products-services\/business-financing\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7271bee elementor-widget elementor-widget-heading\" data-id=\"7271bee\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pembiayaan Perniagaan<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-275ef3c elementor-widget elementor-widget-text-editor\" data-id=\"275ef3c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>PUNB menawarkan pembiayaan perniagaan untuk membangun dan memperkasa usahawan Bumiputera serta perniagaan mereka agar lebih berdaya saing dan berdaya tahan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-5006c76 e-con-full service-box e-flex e-con e-child\" data-id=\"5006c76\" data-element_type=\"container\" href=\"\/ms\/products-services\/entrepreneur-development\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b5b837 elementor-widget elementor-widget-heading\" data-id=\"2b5b837\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pembangunan Usahawan<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8477adf elementor-widget elementor-widget-text-editor\" data-id=\"8477adf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Menyediakan sokongan perniagaan untuk membantu operasi dan pengurusan perniagaan usahawan bumiputera ke arah tadbir urus yang lebih mantap. Inilah keunikan PUNB.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-abaf490 e-con-full service-box e-flex e-con e-child\" data-id=\"abaf490\" data-element_type=\"container\" href=\"\/ms\/products-services\/prosper-hartanah\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-649efcc elementor-widget elementor-widget-heading\" data-id=\"649efcc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\" class=\"VIpgJd-yAWNEb-VIpgJd-fmcmS-sn54Q\">PROSPER <\/font><\/font><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\" class=\"VIpgJd-yAWNEb-VIpgJd-fmcmS-sn54Q\">Hartanah<\/font><\/font><\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a569b0 elementor-widget elementor-widget-text-editor\" data-id=\"4a569b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span lang=\"EN-US\" style=\"font-size: 11.0pt; line-height: 107%; font-family: 'Aptos',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Aptos; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;\">Pilih hartanah PUNB untuk menjalankan perniagaan di lokasi strategik.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-3794d48 e-con-full service-box e-flex e-con e-child\" data-id=\"3794d48\" data-element_type=\"container\" href=\"\/ms\/products-services\/jumper-punb-program\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ab82a6 elementor-widget elementor-widget-heading\" data-id=\"3ab82a6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Program JumPER<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74a1acf elementor-widget elementor-widget-text-editor\" data-id=\"74a1acf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Langkah pertama kejayaan perniagaan usahawan muda bumiputera.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-e732d00 e-con-full service-box e-flex e-con e-child\" data-id=\"e732d00\" data-element_type=\"container\" href=\"\/ms\/products-services\/special-incentives\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ce60fd elementor-widget elementor-widget-heading\" data-id=\"9ce60fd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Insentif Khas<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a350e6 elementor-widget elementor-widget-text-editor\" data-id=\"4a350e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Pelbagai inisiatif sedang dijalankan untuk memenuhi keperluan perniagaan dalam usaha mencapai impak pembangunan keusahawanan yang diimpikan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<div class=\"elementor-element elementor-element-cc82d9c e-con-full e-flex e-con e-child\" data-id=\"cc82d9c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c0ab32 elementor-widget elementor-widget-heading\" data-id=\"3c0ab32\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Tidak pasti yang mana?<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62bfd32 elementor-widget elementor-widget-text-editor\" data-id=\"62bfd32\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Hubungi kami, biar kami bimbing anda!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e95e86c elementor-align-left white-btn elementor-widget elementor-widget-button\" data-id=\"e95e86c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/ms\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"arrow-up-right-svg\" width=\"18\" height=\"18\" viewbox=\"0 0 18 18\" fill=\"none\"><path d=\"M1 17L17 1\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4 1H17V14\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hubungi Kami<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdf3a3c e-con-full e-flex e-con e-parent\" data-id=\"cdf3a3c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f3cc365 e-con-full e-flex e-con e-child\" data-id=\"f3cc365\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c4d440b e-con-full e-flex e-con e-child\" data-id=\"c4d440b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f4d2fe elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8f4d2fe\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\" class=\"\"><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\">Dipercayai oleh jenama, perniagaan dan usahawan <\/font><\/font><\/font><\/font><span class=\"pink-color\"><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\" class=\"\"><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\">seperti anda.<\/font><\/font><\/font><\/font><\/span><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\">.<\/font><\/font><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\" class=\"\"><font style=\"vertical-align: inherit\"><\/font><\/font><\/font><font style=\"vertical-align: inherit\"><\/font><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3646bd e-con-full e-flex e-con e-child\" data-id=\"e3646bd\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4bd881e e-con-full e-flex e-con e-child\" data-id=\"4bd881e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b10777 custom-logo-carousel elementor-widget elementor-widget-image-carousel\" data-id=\"3b10777\" data-element_type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;6&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;navigation&quot;:&quot;none&quot;,&quot;autoplay_speed&quot;:0,&quot;speed&quot;:3000,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;4&quot;,&quot;slides_to_show_mobile&quot;:&quot;3&quot;,&quot;slides_to_scroll_tablet&quot;:&quot;1&quot;,&quot;lazyload&quot;:&quot;yes&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;image_spacing_custom_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" dir=\"rtl\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/ask-logo.png\" alt=\"ask-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/innersejuk-logo.png\" alt=\"innersejuk-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/docnan-logo.png\" alt=\"docnan-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/farmasi-al-medina-logo.png\" alt=\"farmasi-al-medina-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/rtr-logo.png\" alt=\"rtr-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/farmasi-islah-logo.png\" alt=\"farmasi-islah-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/healthcare-logo.png\" alt=\"healthcare-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/denai-boutique-logo.png\" alt=\"denai-boutique-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"9 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/nur-hannah-logo.png\" alt=\"nur-hannah-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 of 10\"><figure class=\"swiper-slide-inner\"><img class=\"swiper-slide-image swiper-lazy\" data-src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/moo-chuu-new-logo.jpg\" alt=\"moo-chuu-new-logo\" \/><div class=\"swiper-lazy-preloader\"><\/div><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a115739 elementor-widget elementor-widget-spacer\" data-id=\"a115739\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd6aa58 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"dd6aa58\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\">Agensi Kolaborasi<\/font><\/font><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ad0580 custom-logo-carousel elementor-widget elementor-widget-image-carousel\" data-id=\"1ad0580\" data-element_type=\"widget\" data-settings=\"{&quot;slides_to_show&quot;:&quot;6&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;navigation&quot;:&quot;none&quot;,&quot;autoplay_speed&quot;:0,&quot;speed&quot;:3000,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;4&quot;,&quot;slides_to_show_mobile&quot;:&quot;3&quot;,&quot;slides_to_scroll_tablet&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;image_spacing_custom_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-carousel-wrapper swiper\" dir=\"ltr\">\n\t\t\t<div class=\"elementor-image-carousel swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_MARA-01-1.png\" alt=\"Logo_MARA-01 (1)\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_TEKUN-01.png\" alt=\"Logo_TEKUN-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_SMECorp-01.png\" alt=\"Logo_SMECorp-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Ekuinas-01.png\" alt=\"Ekuinas-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_SMEinfo-01.png\" alt=\"Logo_SMEinfo-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"6 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_TERAJU-01.png\" alt=\"Logo_TERAJU-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_MPC.png\" alt=\"Logo_MPC\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"8 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_MATRADE.png\" alt=\"Logo_MATRADE\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"9 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_BNM-01.png\" alt=\"Logo_BNM-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_INSKEN.png\" alt=\"Logo_INSKEN\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"11 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_MDEC.png\" alt=\"Logo_MDEC\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"12 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_Amanah_Ikhtiar_Malaysia-01.png\" alt=\"Logo_Amanah_Ikhtiar_Malaysia-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"13 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_EXIM.png\" alt=\"Logo_EXIM\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"14 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_BDCSarawak.png\" alt=\"Logo_BDCSarawak\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"15 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_CGC.png\" alt=\"Logo_CGC\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"16 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_Pernas-01.png\" alt=\"Logo_Pernas-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"17 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_MARA-01.png\" alt=\"Logo_MARA-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"18 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_MTDC-01.png\" alt=\"Logo_MTDC-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"19 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_BDC.png\" alt=\"Logo_BDC\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"20 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_DBOS.png\" alt=\"Logo_DBOS\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"21 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_SabahCreditCorporationBerhad.png\" alt=\"Logo_SabahCreditCorporationBerhad\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"22 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_SabahDevelopmentBankBerhad.png\" alt=\"Logo_SabahDevelopmentBankBerhad\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"23 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_MIDF.png\" alt=\"Logo_MIDF\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"24 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_SME_Bank-01.png\" alt=\"Logo_SME_Bank-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"25 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_BSN.png\" alt=\"Logo_BSN\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"26 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_BPMB.png\" alt=\"Logo_BPMB\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"27 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_BankRakyat.png\" alt=\"Logo_BankRakyat\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"28 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/AgroBank-01.png\" alt=\"AgroBank-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"29 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_KUSKOP.png\" alt=\"Logo_KUSKOP\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"30 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_ADFIM-01.png\" alt=\"Logo_ADFIM-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"31 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_MITI-01.png\" alt=\"Logo_MITI-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"32 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_KPM-01.png\" alt=\"Logo_KPM-01\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"33 of 33\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/12\/Logo_JPM.png\" alt=\"Logo_JPM\" \/><\/figure><\/div>\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b86a14f e-flex e-con-boxed e-con e-parent\" data-id=\"b86a14f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-66f3c9d e-con-full e-flex e-con e-child\" data-id=\"66f3c9d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-21acb14 e-con-full e-flex e-con e-child\" data-id=\"21acb14\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfa9b39 elementor-widget elementor-widget-heading\" data-id=\"dfa9b39\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Produk dan Perkhidmatan oleh Rakan Usahawan PUNB<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bffca08 elementor-widget elementor-widget-text-editor\" data-id=\"bffca08\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Layari Direktori Usahawan kami untuk berhubung dan pelajari daripada usahawan Bumiputera yang telah berjaya melalui sokongan serta pembiayaan PUNB. Temui kisah inspirasi dan pengenalan perniagaan.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da57857 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"da57857\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/ms\/rakan-usahawan\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"arrow-up-right-svg\" width=\"18\" height=\"18\" viewbox=\"0 0 18 18\" fill=\"none\"><path d=\"M1 17L17 1\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4 1H17V14\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Lawati Direktori<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2336ad e-con-full e-flex e-con e-child\" data-id=\"b2336ad\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-344013c elementor-invisible elementor-widget elementor-widget-image\" data-id=\"344013c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"615\" height=\"414\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/punb-browse-img.png\" class=\"attachment-full size-full wp-image-6294\" alt=\"\" srcset=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/punb-browse-img.png 615w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/punb-browse-img-300x202.png 300w\" sizes=\"(max-width: 615px) 100vw, 615px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87abd4c elementor-widget__width-initial elementor-absolute e-transform elementor-widget elementor-widget-image\" data-id=\"87abd4c\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-50,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet_extra&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"594\" height=\"1076\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/square-asset-img.png\" class=\"attachment-full size-full wp-image-6298\" alt=\"\" srcset=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/square-asset-img.png 594w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/square-asset-img-166x300.png 166w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2024\/11\/square-asset-img-565x1024.png 565w\" sizes=\"(max-width: 594px) 100vw, 594px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2ec3e79 e-flex e-con-boxed e-con e-parent\" data-id=\"2ec3e79\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-70208c6 e-flex e-con-boxed e-con e-child\" data-id=\"70208c6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8c96587 e-flex e-con-boxed e-con e-child\" data-id=\"8c96587\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ac7268 elementor-widget elementor-widget-heading\" data-id=\"6ac7268\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tanya kami apa saja.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dcedd1d elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"dcedd1d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Mulakan pembiayaan dengan bijak! Terokai Soalan Lazim kami bagi mendapatkan jawapan kepada semua soalan anda mengenai pembiayaan, program, dan sokongan PUNB. Perjalanan kejayaan keusahawanan anda bermula di sini!<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-94a6fb5 e-flex e-con-boxed e-con e-child\" data-id=\"94a6fb5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8b9a16a e-con-full e-flex e-con e-child\" data-id=\"8b9a16a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c1aa77 custom-icon-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"8c1aa77\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1460\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1460\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> BAHAGIAN 1: PEMBIAYAAN &amp; PERKHIDMATAN <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1460\" class=\"elementor-element elementor-element-babca8b e-con-full e-flex e-con e-child\" data-id=\"babca8b\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1460\" class=\"elementor-element elementor-element-4566482 e-flex e-con-boxed e-con e-child\" data-id=\"4566482\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-85271cf elementor-widget elementor-widget-text-editor\" data-id=\"85271cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>A. Apakah pembiayaan perniagaan yang ditawarkan oleh PUNB?<\/strong><\/p><p>PUNB menawarkan pakej pembiayaan perniagaan bersepadu dikenali sebagai Pembiayaan PROSPER dengan pembiayaan dari RM100 ribu sehingga RM10 juta.<\/p><p>\u00a0<\/p><p><strong>B. Berapa lamakah tempoh pembiayaan perniagaan PUNB?<\/strong><\/p><p>Tempoh pembiayaan perniagaan PUNB adalah sehingga 7 tahun.<\/p><p>\u00a0<\/p><p><strong>C. Adakah tempoh pembiayaan tersebut tertakluk kepada semua perniagaan?<\/strong><\/p><p>Tempoh maksima pembiayaan adalah 7 tahun walaubagaimanapun ia tertakluk\/bergantung kepada kelulusan akhir penilaian terhadap semua jenis perniagaan.<\/p><p>\u00a0<\/p><p><strong>D. Berapakah kadar keuntungan pembiayaan perniagaan PUNB?<\/strong><\/p><p>Kadar keuntungan yang dikenakan ialah 5%-8% setahun (bergantung kepada tujuan pembiayaan termasuk terma dan syarat)<\/p><p>\u00a0<\/p><p><strong>E. Saya difahamkan bahawa selain dari bantuan pembiayaan perniagaan, syarikat juga mendapat bantuan nilai tambah. Apakah jenis bantuan nilai tambah yang diberikan oleh PUNB?<\/strong><\/p><p>Ya, selain daripada bantuan pembiayaan perniagaan, syarikat juga akan mendapat khidmat runding, pemantauan prestasi perniagaan dan pembangunan perniagaan melalui kursus serta latihan keusahawanan.<\/p><p>\u00a0<\/p><p><strong>F. Bolehkah pembiayaan perniagaan PUNB digunakan untuk membaiki atau mengubah suai premis perniagaan sedia ada?<\/strong><\/p><p>Boleh. Antara tujuan pembiayaan perniagaan PUNB mengikut skop pembiayaan yang ditetapkan adalah modal kerja, ubah suai premis perniagaan dan peralatan\/mesin.<\/p><p>\u00a0<\/p><p><strong>G. Saya dimaklumkan PUNB turut menawarkan khidmat sewa premis perniagaan kepada  usahawan. Apakah yang perlu saya lakukan sekiranya berminat untuk menyewa dengan PUNB?<\/strong><\/p><p>Sewaan premis perniagaan terhad kepada unit-unit premis yang dimiliki oleh PUNB sahaja. Jika anda berminat dan ingin mengetahui maklumat lanjut tentang unit-unit yang masih kosong, sila rujuk menu PROSPER HARTANAH di portal rasmi PUNB.<\/p><p>\u00a0<\/p><p><strong>H. Apakah jenis perniagaan yang memerlukan cagaran untuk mendapatkan pembiayaan?<\/strong><\/p><p>PUNB tidak mengenakan cagaran tambahan bagi kebanyakan pembiayaan di bawah\nRM1 juta. Namun, PUNB boleh mengenakan syarat cagaran tambahan jika pembiayaan tersebut mempunyai risiko yang tinggi berdasarkan Skor Kredit (Credit Score) yang dijalankan.<\/p><p>\u00a0<\/p><p><strong>I. Apakah jenis cagaran yang diperlukan oleh PUNB bagi seseorang untuk mendapatkan pembiayaan tersebut?<\/strong><\/p><ol><li>Tunai\/Deposit (Cash Upfront\/Deposit)<\/li><li>Tabungan (Sinking Fund)<\/li><li>Aset - hartanah (bebas daripada tuntutan oleh mana-mana pihak)<\/li><\/ol><p>\u00a0<\/p><p>\u00a0<\/p><p><strong>J. Saya telah membuat pembiayaan perniagaan bersama PUNB dan mempunyai cagaran. Kini saya ingin membuat pembiayaan kedua, adakah saya perlu memberi cagaran lain?<\/strong><\/p><p>Tidak perlu cagaran tambahan jika nilai cagaran untuk pembiayaan pertama mencukupi untuk menampung nilai cagaran yang diperlukan untuk pembiayaan kedua jika baki pembiayaan pertama digabungkan.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1461\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1461\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> BAHAGIAN 2: SYARAT KELAYAKAN <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1461\" class=\"elementor-element elementor-element-189531b e-con-full e-flex e-con e-child\" data-id=\"189531b\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1461\" class=\"elementor-element elementor-element-58b7258 e-flex e-con-boxed e-con e-child\" data-id=\"58b7258\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f4f5cd elementor-widget elementor-widget-text-editor\" data-id=\"2f4f5cd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>A. Apakah syarat kelayakan yang diperlukan bagi permohonan pembiayaan perniagaan PUNB?<\/strong><\/p><p>Secara umumnya, syarat kelayakan pembiayaan perniagaan PUNB adalah seperti berikut:<\/p><ol><li>Entiti milikan tunggal\/perkongsian\/syarikat diperbadankan<\/li><li>Bagi pembiayaan sehingga RM1 juta, entiti milikan 100% Bumiputera<\/li><li>Bagi pembiayaan melebihi RM1 juta, entiti milikan sekurang-kurangnya 70% Bumiputera<\/li><li>Jualan tahunan tidak kurang RM300 ribu<\/li><li>Syarikat\/perniagaan yang telah beroperasi 18 bulan ke atas<\/li><li>Memiliki rekod kewangan terkini<\/li><li>Rekod kredit yang baik dengan lain-lain institusi kewangan<\/li><\/ol><p>Walau bagaimanapun, syarat kelayakan adalah tertakluk kepada terma &amp; syarat. Sila rujuk menu PEMBIAYAAN PERNIAGAAN di portal rasmi PUNB untuk maklumat lanjut.<\/p><p>\u00a0<\/p><p><strong>B. Berapakah had umur bagi pemohon pembiayaan perniagaan PUNB?<\/strong><\/p><p>Had umur minimum ialah 18 tahun dan maksimum 55 tahun. Walau bagaimanapun, jika pemohon berumur lebih dari 55 tahun, pemohon perlu mempunyai seorang pengarah atau rakan kongsi perniagaan bagi meneruskan kesinambungan sekiranya berlaku sesuatu kepada pemohon (pemilik utama).<\/p><p>\u00a0<\/p><p><strong>C. Perniagaan saya dijalankan bersama seorang rakan kongsi bukan Bumiputera. Adakah saya layak untuk memohon?<\/strong><\/p><p>Anda layak memohon dengan syarat perniagaan tersebut dimiliki dan dikuasai oleh Bumiputera di peringkat pegangan saham dan operasi.<\/p><p>\u00a0<\/p><p><strong>D. Saya adalah pemilik kepada beberapa buah syarikat. Adakah syarikat-syarikat saya ini layak untuk memohon?<\/strong><\/p><p>Ya, dengan syarat syarikat tersebut menjalankan perniagaan secara berasingan dan tidak berkaitan antara satu sama lain.<\/p><p>\u00a0<\/p><p><strong>E. Saya masih bekerja dan mempunyai perniagaan sendiri. Adakah saya layak untuk memohon pembiayaan perniagaan PUNB?<\/strong><\/p><p>Ya, anda boleh memohon. Walau bagaimanapun, kelayakan adalah tertakluk kepada tempoh operasi perniagaan sekurang-kurangnya (minimum) 18 bulan dan anda perlu mengusahakan perniagaan tersebut secara sepenuh masa.<\/p><p>\u00a0<\/p><p><strong>F. Saya mempunyai perniagaan di luar negara. Bolehkah saya memohon pembiayaan perniagaan dari PUNB?<\/strong><\/p><p>Anda boleh memohon pembiayaan bagi perniagaan yang dijalankan di luar negara dengan syarat perniagaan mempunyai ibu pejabat di Malaysia dan dikuasai oleh Bumiputera.<\/p><p>\u00a0<\/p><p><strong>G. Sekiranya saya telah menerima pinjaman dari institusi kewangan lain, adakah saya layak untuk memohon pembiayaan perniagaan PUNB?<\/strong><\/p><p>Anda layak untuk memohon daripada PUNB dengan syarat permohonan tersebut tidak bertindih atau digunakan untuk membayar pembiayaan sedia ada dengan institusi kewangan lain.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1462\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1462\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> BAHAGIAN 3: SEKTOR PEMBIAYAAN <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1462\" class=\"elementor-element elementor-element-f65eaf0 e-con-full e-flex e-con e-child\" data-id=\"f65eaf0\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1462\" class=\"elementor-element elementor-element-25b015f e-flex e-con-boxed e-con e-child\" data-id=\"25b015f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17e7f78 elementor-widget elementor-widget-text-editor\" data-id=\"17e7f78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>A. Apakah kriteria perniagaan yang diutamakan oleh PUNB?<\/strong><\/p><p>PUNB mengutamakan perniagaan yang berinovasi tinggi dengan integrasi nilai hiliran dan huluan yang tinggi, mesra pelanggan, beradaptasi teknologi dan mudah berkembang (scalable).<\/p><p><strong>B. Apakah sektor perniagaan yang dibiaya oleh PUNB?<\/strong><\/p><p>Sektor perniagaan yang dibiaya oleh PUNB adalah seperti berikut:<\/p><ol><li>Peruncitan &amp; Pengedaran Perdagangan<\/li><li>Pembuatan &amp; Kejuruteraan<\/li><li>Sistem &amp; Automasi<\/li><li>Kesihatan<\/li><li>Hospitaliti<\/li><li>Penggerak Perniagaan (pembangunan perisian, logistik, penggudangan &amp; perkhidmatan penghantaran)<\/li><li>Kreatif (kraf tangan, cenderahati, seni lukis, seni halus (kaligrafi), animasi (infografik), hiasan dalaman dan fesyen)<\/li><\/ol><p><strong>C. Saya ingin membeli mesin baharu untuk kemudahan kilang pembuatan saya. Adakah saya layak untuk memohon?<\/strong><\/p><p>Ya. Dengan syarat mesin baharu tersebut berkaitan dengan sistem automasi &amp; peralatan bagi meningkatkan produktiviti proses perniagaan.<\/p><p><strong>D. Apakah sektor yang tidak dibiaya oleh PUNB?<\/strong><\/p><p>Sektor yang tidak dibiaya oleh PUNB adalah seperti berikut:<\/p><ol><li>Pertanian &amp; Perlombongan<\/li><li>Pembangunan Hartanah<\/li><li>Kewangan (pembiayaan dan pajakan sama ada produk kewangan\/bukan kewangan, bitcoin, dagangan wang asing (forex), pajak gadai dan perkhidmatan kiriman wang)<\/li><li>Perniagaan bercanggah dengan prinsip syariah<\/li><\/ol><p><strong>E. Saya menjalankan perniagaan ternakan haiwan. Adakah saya layak untuk memohon?<\/strong><\/p><p>PUNB tidak memberi pembiayaan kepada sektor perladangan dan penternakan. Walau bagaimanapun, PUNB boleh membantu bagi perniagaan hiliran yang berkaitan dengan industri ini. Untuk maklumat lanjut, sila hubungi talian Khidmat Pelanggan kami di 1300 13 7862 atau emel ke customerservice@punb.com.my <a href=\"mailto:customerservice@punb.com.my\">customerservice@punb.com.my<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1463\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1463\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> BAHAGIAN 4: PROSES PERMOHONAN <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1463\" class=\"elementor-element elementor-element-416f9fa e-con-full e-flex e-con e-child\" data-id=\"416f9fa\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1463\" class=\"elementor-element elementor-element-de0320b e-flex e-con-boxed e-con e-child\" data-id=\"de0320b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1359d51 elementor-widget elementor-widget-text-editor\" data-id=\"1359d51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>A. Jika saya berminat untuk memohon pembiayaan perniagaan PUNB, apakah yang perlu dilakukan?<\/strong><\/p><p>Anda boleh membuat permohonan pembiayaan perniagaan melalui PUNB Online di portal rasmi PUNB dengan mendaftar akaun, melengkapkan maklumat dan memuat naik dokumen yang diperlukan. Untuk maklumat lanjut, sila hubungi Pusat Khidmat Pelanggan di 1300 13 7862 atau sertai Taklimat Pembiayaan Perniagaan PUNB (Berjadual). Sila rujuk jadual taklimat di portal rasmi PUNB di bahagian Pembiayaan Perniagaan-Kalendar Aktiviti.<\/p><p>\u00a0<\/p><p><strong>B. Berapakah tempoh masa proses penilaian sehingga ke tahap kelulusan dan pengeluaran dana pembiayaan?<\/strong><\/p><p>Bagi pembiayaan tidak melebihi RM1 juta, tempoh masa dari proses penilaian sehingga kelulusan adalah 30 hari manakala pembiayaan yang melebihi RM1 juta akan mengambil tempoh masa sehingga 60 hari. Permohonan akan diproses berdasarkan maklumat dan dokumen lengkap yang diterima   sahaja.<\/p><p>Pengeluaran dana pembiayaan pula tertakluk kepada berikut:<\/p><ol><li>Menepati kesemua Syarat Pengeluaran Dana<\/li><li>Mendapat kebenaran dari institusi kewangan untuk membenarkan syarikat mencagar aset dalam bentuk aset tetap dan\/atau terapung pada masa sekarang atau hadapan (debentur) atau cagaran spesifik (jika perlu).<\/li><\/ol><p>\u00a0<\/p><p><strong>C. Jika permohonan saya tidak lengkap, berapa lamakah tempoh diberikan bagi penghantaran semula dokumen? <\/strong><\/p><p>Anda diberikan tempoh selama 14 hari bekerja untuk mengemas kini maklumat dan memuat naik dokumen yang diperlukan di PUNB Online. Permohonan yang tidak lengkap tidak akan diproses. Walau bagaimanapun, permohonan baharu beserta dokumen dan maklumat lengkap boleh dihantar sekiranya anda masih berminat.<\/p><p>\u00a0<\/p><p><strong>D. Adakah perlu saya membayar yuran pemprosesan apabila permohonan diproses?<\/strong><\/p><p>Ya, anda perlu membayar yuran pemprosesan minimum RM50 dan maksimum RM1,000 setelah permohonan diluluskan. Jumlah yuran bergantung kepada jumlah pembiayaan yang diluluskan.<\/p><p>\u00a0<\/p><p>E. <strong>Adakah yuran pemprosesan ini akan ditolak daripada pembiayaan yang telah diluluskan?<\/strong><\/p><p>Tidak, yuran pemprosesan ini harus dibayar terlebih dahulu semasa penerimaan Surat Tawaran Perniagaan.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1464\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1464\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> BAHAGIAN 5: SOALAN-SOALAN LAIN BERKAITAN <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1464\" class=\"elementor-element elementor-element-8c24bbf e-con-full e-flex e-con e-child\" data-id=\"8c24bbf\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1464\" class=\"elementor-element elementor-element-05a8621 e-flex e-con-boxed e-con e-child\" data-id=\"05a8621\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fb49e0 elementor-widget elementor-widget-text-editor\" data-id=\"8fb49e0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>A. Apakah sebab-sebab sesebuah permohonan pembiayaan perniagaan itu ditolak?<\/strong><\/p><p>Di antara sebabnya ialah permohonan yang dikemukakan tidak memenuhi kriteria utama dan syarat kelayakan pembiayaan yang ditetapkan oleh PUNB.<\/p><p>\u00a0<\/p><p><strong>B. Bolehkah pembiayaan perniagaan PUNB yang diluluskan digunakan untuk membuat pembayaran pembiayaan sedia ada?<\/strong><\/p><p>Tidak boleh. Pembiayaan perniagaan PUNB tidak boleh digunakan untuk membuat pembayaran pembiayaan bagi mana-mana kredit\/pinjaman\/pembiayaan sedia ada sama ada dengan PUNB atau institusi kewangan lain.<\/p><p>\u00a0<\/p><p><strong>C. Bagaimanakah cara untuk menyemak status permohonan pembiayaan perniagaan saya?<\/strong><\/p><p>Anda boleh menyemak status permohonan pembiayaan perniagaan anda dengan log masuk sistem PUNB Online.<\/p><p>\u00a0<\/p><p><strong>D. Bolehkah saya melantik peguam sendiri untuk menyediakan dokumentasi yang diperlukan untuk perjanjian pembiayaan perniagaan PUNB?<\/strong><\/p><p>Tidak boleh. Hanya panel guaman PUNB sahaja dibenarkan untuk menyediakan semua dokumentasi berkaitan dengan perjanjian pembiayaan perniagaan.<\/p><p>\u00a0<\/p><p><strong>E. Apa yang perlu saya lakukan semasa dalam tempoh pembiayaan?<\/strong><\/p><p>Bagi bantuan perniagaan yang lebih efektif daripada PUNB, anda perlu memastikan syarat-syarat pembiayaan seperti di dalam surat cara perjanjian pembiayaan dipatuhi dan memberi kerjasama dengan pegawai pemantauan yang menjalankan tugas dari semasa ke semasa.<\/p><p>\u00a0<\/p><p><strong>F. Adakah pembiayaan saya dilindungi oleh perlindungan Takaful? <\/strong><\/p><p>Pembiayaan anda dilindungi oleh perlindungan Takaful yang ditawarkan oleh panel institusi pembiayaan Takaful PUNB meliputi perlindungan diri usahawan secara individu dan aset-aset perniagaan.<\/p><p>\u00a0<\/p><p><strong>G. Adakah saya boleh mewakilkan individu lain untuk menandatangani surat Tawaran Pembiayaan Perniagaan?<\/strong><\/p><p>Tidak. Urusan berkaitan tanda tangan Surat Tawaran Pembiayaan Perniagaan PUNB adalah melalui e-sain dan hanya pemohon\/pemilik syarikat sahaja yang boleh menandatanganinya. <a href=\"mailto:customerservice@punb.com.my\">customerservice@punb.com.my<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"SECTION 1: FINANCING & SERVICES\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A. What is the business financing offered by PUNB?PUNB has an integrated business financing package known as Pembiayaan PROSPER which offers financing from RM100 thousand to RM10 million.\\u00a0B. How long is the PUNB business financing tenure?The PUNB business financing tenure is up to 7 years.\\u00a0C. Is the financing tenure applicable to all businesses?The maximum financing period is 7 years; however, it is subject to final approval based on the assessment of all types of businesses.\\u00a0D. What is the profit rate of PUNB business financing?The profit rate imposed is 5% &#8211; 8% per annum (subject to the financing purpose and terms and contitions).\\u00a0E. I was made to understand that apart from business financing assistance, companies will be given some value-added assistance. What type of value-added assistance is provided by PUNB?Yes, besides business financing assistance, companies will receive advisory support, business performance monitoring and business development through entrepreneurial courses and training.\\u00a0F. Can PUNB business financing be used to repair or renovate existing business premises?Yes. Among the uses of PUNB business financing according to the financing scope that has been set are working capital, business premises renovation and equipment\\\/machine.\\u00a0G. I was informed that PUNB also offers premises for rental services to entrepreneurs. What should I do if I am interested to rent with PUNB?The premises for rental are limited to units owned by PUNB only. If you are interested and want to know more information about the units that are still vacant, please refer to the PROSPER HARTANAH menu on the PUNB official portal.\\u00a0H. What type of businesses require collateral to obtain financing?PUNB does not impose additional collateral for most financing below RM1 million. However, PUNB may impose additional collateral conditions if the financing has a high risk based on the Credit Score carried out.\\u00a0I. What type of collaterals are required by PUNB for one to get the financing?Cash Upfront\\\/DepositSinking FundAsset &#8211; property (free from claimable by any party)\\u00a0\\u00a0J. I would like to apply for second financing and have collateral on the first financing with PUNB. Do I need to provide other collateral for the second financing?There is no need for additional collateral if the value of collateral for the first financing is sufficient to cover the value of collateral required for the second financing and the balance of the first financing combined.\\u00a0\\u00a0\"}},{\"@type\":\"Question\",\"name\":\"SECTION 2: ELIGIBILITY REQUIREMENTS\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A. What are the eligibility requirements for PUNB business financing application?In general, the eligibility requirements for PUNB business financing are as follows:Sole proprietorship\\\/partnership\\\/incorporated companiesFinancing up to RM 1 million, must be 100% owned by BumiputeraFinancing above RM1 million, at least 70% owned by BumiputeraAnnual sales of not less than RM300 thousandA company in operation for 18 months and aboveUpdated financial recordsGood credit records with other financial institutionsHowever, eligibility requirements are subject to the type of Business Financing applied. Please refer to the BUSINESS FINANCING menu on PUNB official portal for more information.\\u00a0B. What is the age limit for PUNB business financing applicants?The minimum age limit is 18 years old and the maximum is 55 years old. However, if the applicant is over 55 years old, the applicant must have a director or a business partner to ensure the business continues to operate should anything happen to the applicant (primary owner).\\u00a0C. I run a business with a non-Bumiputera partner. Am I eligible to apply?You are eligible to apply provided the business is owned and controlled by Bumiputera at the shareholding and operating levels.\\u00a0D. I am the owner of several companies. Are my companies eligible to apply?Yes, provided that the companies conduct business separately and are not related to each other.\\u00a0E. I am still working and have my own business. Am I eligible to apply for PUNB business financing?Yes, you can apply. However, eligibility is subject to the business operation period for at least (minimum) 18 months and you need to operate the business on a full-time basis.\\u00a0F. I own a business in a foreign country. Can I apply for business financing from PUNB?You may apply the financing for a business in a foreign country, provided that the business has a headquarters in Malaysia and is controlled by Bumiputera.\\u00a0G. If I have received a loan from another financial institution, am I eligible to apply for PUNB business financing?You are eligible to apply from PUNB provided that the application does not overlap or be used to pay existing financing with other financial institutions.\"}},{\"@type\":\"Question\",\"name\":\"SECTION 3: FINANCING SECTOR\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A. What are the criteria of a business preferred by PUNB?PUNB prioritizes highly innovative businesses with high integration of downstream and upstream values, customer-friendly, technologically adaptable and scalable.B. What business sectors are covered by PUNB?The business sectors covered by PUNB are as follows:Retail &amp; Distributive TradeManufacturing &amp; EngineeringSystem &amp; AutomationHealthcareHospitalityBusiness Enablers (software developers, logistics, warehouse &amp; delivery)Creative (handicraft, gifts, painting, fine art (calligraphy), animation (infographic), interior design and fashion)C. I want to purchase new machinery for my manufacturing facility. Am I eligible to apply?Yes. Provided that the new machinery is related to automation systems &amp; equipment to increase the productivity of business processes.D. What business sectors are non-covered by PUNB?The business sectors non-covered by PUNB are as follows:Agriculture &amp; MiningHousing &amp; PropertyFinancial (funding and leasing of monetary and non-monetary, bitcoin, foreign exchange (forex), mortgage tax and remittance service)Business contrary to syariah principlesE. I am running a livestock farming business. Am I eligible to apply?PUNB does not provide financing for livestock and plantation sectors. However, PUNB can assist downstream businesses related to the industry. For further information, please contact our Customer Service at 1300 13 7862 or email customerservice@punb.com.my\"}},{\"@type\":\"Question\",\"name\":\"SECTION 4: APPLICATION PROCESS\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A. If I am interested in applying for PUNB business financing, what do I need to do?You can apply for business financing via PUNB Online at PUNB official portal by registering an account, completing the details and submitting the required documents. For inquiries, please contact our Customer Service Centre at 1300 13 7862 or join the PUNB Business Financing Talk (Scheduled). Please refer to the scheduled talk in the Business Financing-Activity Calendar section in the PUNB portal.\\u00a0B. How long is the assessment process up to the approval stage and disbursement of the financing fund?For financing below RM1 million, the assessment and approval are subject to a maximum of 30 working days whilst more than RM1 million is 60 working days. The application will only be processed based on the completion of information and submission of documents required.The Disbursement of financing funds however is subject to the following:Meet all the Fund Disbursement ConditionsObtained permission from the financial institution to allow the company to pledge assets in the form of current or future fixed and\\\/or floating assets (debentures) or specific charges (if necessary)\\u00a0C. If my application is incomplete, how much time do I have to resubmit the application? You are given 14 working days to update the incomplete information and upload the documents required in the e-mohon. An incomplete application will not be processed. However, if you are still interested to apply, you need to submit a new application with all the required documents.\\u00a0D. Do I have to pay a processing fee when the application is processed?Yes, you have to pay a processing fee minimum of RM50 and a maximum of RM1,000 after your application is approved. The amount of fees depends on the financing amount approved.\\u00a0E. Will the processing fee be deducted from the approved financing?No, the processing fee needs to be paid in advance upon acceptance of the Offer Letter.\\u00a0\\u00a0\"}},{\"@type\":\"Question\",\"name\":\"SECTION 5: OTHER RELATED QUESTIONS\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A. What are the reasons for a business financing application being rejected?Among the reasons is the application does not meet the main criteria and eligibility requirements set by PUNB.\\u00a0B. Can the approved PUNB business financing be used to refinance existing financing?No. PUNB business financing cannot be used to refinance any existing credit\\\/loan\\\/financing with PUNB or other financial institutions.\\u00a0C. How do I check the status of my business financing application?You can check the status of your business financing application through PUNB Online system at PUNB official portal.\\u00a0D. Can I appoint my own lawyer to prepare the necessary documentation for the financing agreement?No, you cannot. PUNB only allows its panel of lawyers to undertake the preparation of all documentation related to the financing agreement.\\u00a0E. What should I do during my financing tenure?For more effective business assistance from PUNB, you must ensure that you adhere to the financing terms as stipulated in the financing agreement and give your full cooperation to our monitoring officers who carry out their duties from time to time.\\u00a0F. Is my financing covered by Takaful protection? Your financing is covered under Takaful protection offered by PUNB&#8217;s panel of Takaful financing institutions covering the self-protection of individual entrepreneurs and business assets.\\u00a0G. Can a representative sign the Business Financing Offer Letter on my behalf?No. PUNB Business Financing Offer Letter only can be signed by the applicant\\\/rightful business owner through e-sain. For further information, please visit our portal or contact our Customer Service at 1300 13 7862 or email to customerservice@punb.com.my\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Pioneering the Path toBumiputera Entrepreneurial Excellence PUNB empowers Bumiputera entrepreneurs with financing and business support to achieve excellence. Discover Our Solutions More about PUNB SCROLL FOR MORE Fueling Business\u2019 Growth with PUNB Financing PUNB provides business financing to develop and empower bumiputera entrepreneur and their businesses to be viable and resilient. Financing SchemesExplore our diverse [&hellip;]<\/p>","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-6046","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/punb.benova.com.my\/ms\/wp-json\/wp\/v2\/pages\/6046","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/punb.benova.com.my\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/punb.benova.com.my\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/punb.benova.com.my\/ms\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/punb.benova.com.my\/ms\/wp-json\/wp\/v2\/comments?post=6046"}],"version-history":[{"count":5,"href":"https:\/\/punb.benova.com.my\/ms\/wp-json\/wp\/v2\/pages\/6046\/revisions"}],"predecessor-version":[{"id":18354,"href":"https:\/\/punb.benova.com.my\/ms\/wp-json\/wp\/v2\/pages\/6046\/revisions\/18354"}],"wp:attachment":[{"href":"https:\/\/punb.benova.com.my\/ms\/wp-json\/wp\/v2\/media?parent=6046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}