{"id":6046,"date":"2024-11-13T05:53:11","date_gmt":"2024-11-12T21:53:11","guid":{"rendered":"https:\/\/punb.benova.com.my\/?page_id=6046"},"modified":"2026-09-07T14:53:27","modified_gmt":"2026-09-07T06:53:27","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-e-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\" data-e-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\" data-e-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-e-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\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\">35 Years Catalysing<\/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\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-e-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\t\t<p>PUNB empowers Bumiputera entrepreneurs with financing and business support to achieve excellence<\/p>\t\t\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-e-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-e-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\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\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-e-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\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\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\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b7f33c e-con-full elementor-hidden-desktop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-parent\" data-id=\"9b7f33c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ab8e654 e-flex e-con-boxed e-con e-child\" data-id=\"ab8e654\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a4c916c e-con-full e-flex e-con e-child\" data-id=\"a4c916c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dc5c0c elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5dc5c0c\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-901337b elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"901337b\" data-element_type=\"widget\" data-e-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\t\t<p>PUNB empowers Bumiputera entrepreneurs with financing and business support to achieve excellence<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb4c9a5 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"cb4c9a5\" data-element_type=\"container\" data-e-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-d7edd5b elementor-widget elementor-widget-button\" data-id=\"d7edd5b\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de1c16b elementor-widget elementor-widget-button\" data-id=\"de1c16b\" data-element_type=\"widget\" data-e-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\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\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-e8f879d e-flex e-con-boxed e-con e-child\" data-id=\"e8f879d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-671d075 e-con-full e-flex e-con e-child\" data-id=\"671d075\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9035cf1 elementor-widget__width-auto elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"9035cf1\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c860b1 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5c860b1\" data-element_type=\"widget\" data-e-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\t\t<p class=\"elementor-heading-title elementor-size-default\">SKROL UNTUK MAKLUMAT LANJUT<\/p>\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<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ddedf3 e-flex e-con-boxed e-con e-parent\" data-id=\"9ddedf3\" data-element_type=\"container\" data-e-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-6d4f890 e-con-full e-flex e-con e-child\" data-id=\"6d4f890\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6414b46 e-con-full e-flex e-con e-child\" data-id=\"6414b46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52d8e7b ru-slider elementor-hidden-mobile elementor-pagination-type-bullets elementor-pagination-position-outside elementor-widget elementor-widget-n-carousel\" data-id=\"52d8e7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;_id&quot;:&quot;f0b6b81&quot;,&quot;slide_title&quot;:&quot;Slide #11&quot;},{&quot;slide_title&quot;:&quot;Slide Kenyataan Tawaran Tender&quot;,&quot;_id&quot;:&quot;a917198&quot;},{&quot;slide_title&quot;:&quot;Slide Kenyataan Tawaran Tender&quot;,&quot;_id&quot;:&quot;dd168bc&quot;},{&quot;slide_title&quot;:&quot;Slide SARAnghae 2&quot;,&quot;_id&quot;:&quot;9bd974f&quot;},{&quot;slide_title&quot;:&quot;Slide Taklimat Pembiayaan Perniagaan PUNB&quot;,&quot;_id&quot;:&quot;527b55b&quot;},{&quot;slide_title&quot;:&quot;Slide PROSPER GROW&quot;,&quot;_id&quot;:&quot;697ed37&quot;},{&quot;slide_title&quot;:&quot;Slide PROSPER GREAT&quot;,&quot;_id&quot;:&quot;e5bbf66&quot;},{&quot;slide_title&quot;:&quot;Slide PROSPER IMPACT\\\/NOVA&quot;,&quot;_id&quot;:&quot;a4407fd&quot;},{&quot;slide_title&quot;:&quot;Slide PUNB 2026&quot;,&quot;_id&quot;:&quot;5eddfdb&quot;},{&quot;slide_title&quot;:&quot;Slide SDG Report&quot;,&quot;_id&quot;:&quot;82a141f&quot;},{&quot;slide_title&quot;:&quot;Slide ABMS&quot;,&quot;_id&quot;:&quot;29a9542&quot;}],&quot;slides_to_show&quot;:&quot;1&quot;,&quot;slides_to_show_tablet&quot;:&quot;1&quot;,&quot;slides_to_scroll&quot;:&quot;1&quot;,&quot;slides_to_scroll_tablet&quot;:&quot;1&quot;,&quot;slides_to_scroll_mobile&quot;:&quot;1&quot;,&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;speed&quot;:500,&quot;pagination&quot;:&quot;bullets&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=\"nested-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 11\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b4f88b4 e-flex e-con-boxed e-con e-child\" data-id=\"b4f88b4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-638c14d elementor-widget elementor-widget-image\" data-id=\"638c14d\" data-element_type=\"widget\" data-e-type=\"widget\" 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\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1306\" height=\"436\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/09\/Frame-427319639-2026.jpg\" class=\"attachment-full size-full wp-image-35680\" alt=\"\" srcset=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/09\/Frame-427319639-2026.jpg 1306w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/09\/Frame-427319639-2026-300x100.jpg 300w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/09\/Frame-427319639-2026-1024x342.jpg 1024w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/09\/Frame-427319639-2026-768x256.jpg 768w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/09\/Frame-427319639-2026-18x6.jpg 18w\" sizes=\"(max-width: 1306px) 100vw, 1306px\" \/>\t\t\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\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 11\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cd10145 e-flex e-con-boxed e-con e-child\" data-id=\"cd10145\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5236773 elementor-widget elementor-widget-image\" data-id=\"5236773\" data-element_type=\"widget\" data-e-type=\"widget\" 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\t\t\t<a href=\"https:\/\/punb.benova.com.my\/ms\/news-announcement\/kenyataan-tawaran-tender-pejabat-punb-wilayah-utara\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"400\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/04\/Kenyataan-Tawaran-Tender-Pejabat-Wilayah-Utara.png\" class=\"attachment-full size-full wp-image-34413\" alt=\"\" srcset=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/04\/Kenyataan-Tawaran-Tender-Pejabat-Wilayah-Utara.png 1200w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/04\/Kenyataan-Tawaran-Tender-Pejabat-Wilayah-Utara-300x100.png 300w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/04\/Kenyataan-Tawaran-Tender-Pejabat-Wilayah-Utara-1024x341.png 1024w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/04\/Kenyataan-Tawaran-Tender-Pejabat-Wilayah-Utara-768x256.png 768w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/04\/Kenyataan-Tawaran-Tender-Pejabat-Wilayah-Utara-18x6.png 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\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\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"3\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 11\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-136f139 e-flex e-con-boxed e-con e-child\" data-id=\"136f139\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13ae937 elementor-widget elementor-widget-image\" data-id=\"13ae937\" data-element_type=\"widget\" data-e-type=\"widget\" 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\t\t\t<a href=\"https:\/\/punb.benova.com.my\/ms\/news-announcement\/kenyataan-tawaran-tender\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"400\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/03\/Kenyataan-Tawaran-Tender.png\" class=\"attachment-full size-full wp-image-33667\" alt=\"\" srcset=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/03\/Kenyataan-Tawaran-Tender.png 1200w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/03\/Kenyataan-Tawaran-Tender-300x100.png 300w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/03\/Kenyataan-Tawaran-Tender-1024x341.png 1024w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/03\/Kenyataan-Tawaran-Tender-768x256.png 768w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2026\/03\/Kenyataan-Tawaran-Tender-18x6.png 18w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\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\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"4\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 11\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9baef21 e-flex e-con-boxed e-con e-child\" data-id=\"9baef21\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div 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\/>\t\t\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\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"9\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"9 of 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-143a236 e-flex e-con-boxed e-con e-child\" data-id=\"143a236\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21b34dc elementor-widget elementor-widget-image\" data-id=\"21b34dc\" data-element_type=\"widget\" data-e-type=\"widget\" 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\t\t\t<a href=\"https:\/\/punb.benova.com.my\/ms\/information\/sustainability\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1350\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/07\/SDG-Report-1.png\" class=\"attachment-full size-full wp-image-27743\" alt=\"\" srcset=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/07\/SDG-Report-1.png 1080w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/07\/SDG-Report-1-240x300.png 240w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/07\/SDG-Report-1-819x1024.png 819w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/07\/SDG-Report-1-768x960.png 768w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/07\/SDG-Report-1-10x12.png 10w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\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\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"10\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"10 of 10\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a550e3e e-flex e-con-boxed e-con e-child\" data-id=\"a550e3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9defe6 elementor-widget elementor-widget-image\" data-id=\"a9defe6\" data-element_type=\"widget\" data-e-type=\"widget\" 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\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"1350\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/06\/Portal-PUNB-IGU-Video-ABMS-Option-2-Instagram-Post-45.jpg\" class=\"attachment-full size-full wp-image-26410\" alt=\"\" srcset=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/06\/Portal-PUNB-IGU-Video-ABMS-Option-2-Instagram-Post-45.jpg 1080w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/06\/Portal-PUNB-IGU-Video-ABMS-Option-2-Instagram-Post-45-240x300.jpg 240w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/06\/Portal-PUNB-IGU-Video-ABMS-Option-2-Instagram-Post-45-819x1024.jpg 819w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/06\/Portal-PUNB-IGU-Video-ABMS-Option-2-Instagram-Post-45-768x960.jpg 768w, https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/06\/Portal-PUNB-IGU-Video-ABMS-Option-2-Instagram-Post-45-10x12.jpg 10w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\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\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"swiper-pagination\"><\/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-ba2dff4 e-flex e-con-boxed e-con e-parent\" data-id=\"ba2dff4\" data-element_type=\"container\" data-e-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\" data-e-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\" data-e-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-e-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\t\t<img loading=\"lazy\" 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\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\" data-e-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-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fueling Business\u2019 Growth with PUNB Financing<\/h2>\t\t\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-e-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\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\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-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\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-e-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\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\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-e-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\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\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 e-flex e-con-boxed e-con e-parent\" data-id=\"149b015\" data-element_type=\"container\" data-e-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\" data-e-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\" data-e-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-e-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\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Driving Bumiputera Growth Since 1991<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8477adf elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8477adf\" data-element_type=\"widget\" data-e-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\t\tSupporting entrepreneurs, strengthening businesses, and  creating sustainable economic impact across generations. \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<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-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4114151 e-con-full e-grid e-con e-child\" data-id=\"4114151\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-15c18b5 e-con-full e-flex e-con e-child\" data-id=\"15c18b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf36ea1 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"bf36ea1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"72\" height=\"72\" viewbox=\"0 0 72 72\" fill=\"none\"><rect width=\"72\" height=\"72\" rx=\"15\" fill=\"white\" fill-opacity=\"0.3\"><\/rect><g clip-path=\"url(#clip0_4934_132)\"><path d=\"M17.0012 53.5887C17.1638 53.4499 17.1737 53.2149 17.3333 53.0671C17.3789 53.0245 17.8249 52.7717 17.8547 52.7717H19.3018L19.2999 44.865C19.3841 44.3365 19.7588 43.929 20.302 43.8625C21.2258 43.7495 24.0557 43.7495 24.9795 43.8625C25.1599 43.8843 25.5188 44.04 25.6476 44.159C25.7051 44.2125 25.9797 44.6855 25.9797 44.7172V52.7707H28.206V42.046C28.206 42.0133 28.4805 41.5413 28.538 41.4878C28.6371 41.3955 29.0019 41.218 29.1377 41.1972C30.6335 41.3003 32.3423 41.0445 33.8113 41.1893C34.0383 41.2111 34.3832 41.3321 34.5517 41.4878C34.6092 41.5413 34.8838 42.0143 34.8838 42.046V52.7707H37.1101V37.9638C37.1101 37.931 37.3847 37.4591 37.4421 37.4055C37.5413 37.3133 37.906 37.1358 38.0418 37.115C39.5376 37.2181 41.2464 36.9623 42.7154 37.1071C42.9424 37.1289 43.2874 37.2498 43.4559 37.4055C43.5134 37.4591 43.7879 37.932 43.7879 37.9638V52.7707H46.0142V30.541C46.0142 30.5083 46.2888 30.0363 46.3463 29.9827C46.4454 29.8905 46.8102 29.713 46.946 29.6922C48.4417 29.7953 50.1506 29.5395 51.6196 29.6843C52.1667 29.7378 52.5117 30.0353 52.6752 30.5578L52.6921 52.7707H54.1392C54.1719 52.7707 54.6438 53.0453 54.6973 53.1028C55.297 53.7473 54.9441 54.6953 54.1759 54.9977H17.817C17.3928 54.7766 17.2213 54.606 17.0012 54.1816V53.5877V53.5887Z\" fill=\"white\"><\/path><path d=\"M17.001 39.5612C17.2101 39.112 17.4411 38.7947 17.9615 38.7035C18.7079 38.5726 19.7804 38.6628 20.5991 38.5954C27.2571 38.051 34.051 35.009 39.4006 31.129C43.5488 28.1196 47.2401 24.3477 49.8698 19.9294C49.8213 19.8411 49.6518 19.9115 49.5705 19.9264C48.2968 20.1535 46.9338 20.7474 45.6562 20.9834C44.3785 21.2194 43.6212 19.9799 44.5995 19.036C47.0805 18.2487 49.6508 17.5457 52.1992 17.0023C52.7017 17.0777 53.0229 17.4277 53.1557 17.9046L54.9954 24.903C54.9032 26.2416 53.236 26.4062 52.784 25.1787C52.3608 24.0285 52.217 22.5709 51.7958 21.4167C51.767 21.3374 51.7611 21.2392 51.651 21.2283C46.5195 29.6902 37.4974 36.4665 28.0382 39.3579C25.3114 40.1918 20.8063 41.1725 17.9982 40.9008C17.4619 40.8492 17.2082 40.5488 17 40.0808V39.5612H17.001Z\" fill=\"white\"><\/path><\/g><defs><clippath id=\"clip0_4934_132\"><rect width=\"38\" height=\"38\" fill=\"white\" transform=\"translate(17 17)\"><\/rect><\/clippath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t15,000+\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTotal Rakan Usahanawan<br> Developed\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\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-08231c5 e-con-full e-flex e-con e-child\" data-id=\"08231c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52af5fc elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"52af5fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"72\" height=\"72\" viewbox=\"0 0 72 72\" fill=\"none\"><rect width=\"72\" height=\"72\" rx=\"15\" fill=\"white\" fill-opacity=\"0.3\"><\/rect><g clip-path=\"url(#clip0_4934_142)\"><path d=\"M43.8659 19.2003H28.1213V25.3563C28.1213 27.4019 26.4569 29.0676 24.4099 29.0676H18.2666V48.3463C18.2666 50.8163 20.2553 52.7923 22.7126 52.7923H42.1129C40.2914 51.2773 39.1286 48.9961 39.1286 46.4463C39.1286 41.8964 42.8298 38.1939 47.3809 38.1939C47.6963 38.1939 48.0054 38.2155 48.3119 38.2497V23.6463C48.3119 21.2029 46.3233 19.2003 43.8659 19.2003ZM34.4255 43.6849V44.4804C34.4255 45.1099 33.915 45.6204 33.2855 45.6204C32.6559 45.6204 32.1455 45.1099 32.1455 44.4804V43.9991C32.1303 43.9991 32.1176 44.0016 32.1024 44.0016C32.072 44.0029 32.0416 44.0029 32.0112 44.0029C31.3576 44.0029 30.7445 43.7546 30.2721 43.2999C29.7806 42.8249 29.5108 42.189 29.5108 41.505C29.5108 40.8755 30.0213 40.365 30.6508 40.365C31.2803 40.365 31.7908 40.8755 31.7908 41.505C31.7908 41.581 31.8263 41.6304 31.8567 41.6595C31.8871 41.6887 31.9327 41.714 32.0226 41.7229C32.7801 41.6963 35.2539 41.5139 35.2855 40.289C35.2982 39.8292 34.4546 39.3618 33.0283 39.0375C31.9922 38.8007 28.8382 38.0825 29.0219 35.3933C29.0903 34.3939 29.6324 32.8435 32.1455 32.1722V31.3717C32.1455 30.7421 32.6559 30.2317 33.2855 30.2317C33.915 30.2317 34.4255 30.7421 34.4255 31.3717V31.8555C34.4432 31.8543 34.4597 31.853 34.4787 31.8517C35.1601 31.8213 35.7998 32.0747 36.29 32.5484C36.7751 33.0171 37.0538 33.6732 37.0538 34.3471C37.0538 34.9766 36.5433 35.4871 35.9138 35.4871C35.2843 35.4871 34.7738 34.9766 34.7738 34.3471C34.7738 34.2685 34.7371 34.2179 34.7067 34.1887C34.6775 34.1609 34.6218 34.133 34.5585 34.1305C33.3741 34.1723 31.3753 34.4117 31.2981 35.5491C31.2563 36.1647 32.4913 36.5789 33.5363 36.8158C36.2545 37.4339 37.6111 38.6233 37.5668 40.3498C37.5427 41.1934 37.1526 42.9566 34.4255 43.6849Z\" fill=\"white\"><\/path><path d=\"M24.4099 27.1676C25.4093 27.1676 26.2213 26.3557 26.2213 25.3563V19.2003H26.0313C24.8913 19.2003 23.8019 19.6436 22.9913 20.4669L19.5206 23.9376C18.7226 24.7229 18.2666 25.8376 18.2666 26.9789V27.1689L24.4099 27.1676Z\" fill=\"white\"><\/path><path d=\"M47.3872 40.0914C43.8786 40.0914 41.0286 42.9414 41.0286 46.4501C41.0286 49.9587 43.8786 52.7961 47.3872 52.7961C50.8832 52.7961 53.7332 49.9587 53.7332 46.4501C53.7332 42.9414 50.8832 40.0914 47.3872 40.0914ZM50.1232 46.3614L47.2137 48.7073C47.0098 48.8707 46.7577 48.9593 46.498 48.9593C46.455 48.9593 46.4119 48.9568 46.3688 48.9517C46.0661 48.9175 45.7887 48.763 45.6012 48.5223L44.4574 47.0644C44.0686 46.5679 44.156 45.8522 44.6512 45.4633C45.1465 45.0757 45.8647 45.1619 46.251 45.6559L46.6817 46.2056L48.6919 44.5855C49.1834 44.1916 49.9003 44.2689 50.2955 44.7591C50.6907 45.248 50.6134 45.9649 50.1232 46.3614Z\" fill=\"white\"><\/path><\/g><defs><clippath id=\"clip0_4934_142\"><rect width=\"35.4667\" height=\"38\" fill=\"white\" transform=\"translate(18.2666 17)\"><\/rect><\/clippath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRM5.15<span class=\"driving\"> Bililion <\/span>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTotal Financing<br> Approved\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\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-0fe3050 e-con-full e-flex e-con e-child\" data-id=\"0fe3050\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-708e6c7 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"708e6c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"72\" height=\"72\" viewbox=\"0 0 72 72\" fill=\"none\"><rect width=\"72\" height=\"72\" rx=\"15\" fill=\"white\" fill-opacity=\"0.3\"><\/rect><g clip-path=\"url(#clip0_4934_153)\"><path d=\"M40.655 38.7509C39.6998 38.2292 38.6043 37.933 37.4398 37.933H34.6722C33.475 37.933 32.3514 38.2462 31.3784 38.7947C29.3321 39.9466 27.9502 42.1397 27.9502 44.655V46.7287H44.1618V44.655C44.1618 42.1071 42.7442 39.8909 40.655 38.7509Z\" fill=\"white\"><\/path><path d=\"M48.298 36.0909H45.9972C44.6538 36.0909 43.4018 36.488 42.3516 37.1723C42.8562 37.5033 43.3305 37.89 43.7677 38.3271C45.4576 40.0171 46.3883 42.2644 46.3883 44.655V45.6302H54.9999V42.7929C54.9999 39.0975 51.9933 36.0909 48.298 36.0909Z\" fill=\"white\"><\/path><path d=\"M26.0027 36.0909H23.702C20.0066 36.0909 17 39.0975 17 42.7929V45.6302H25.7237V44.655C25.7237 42.2644 26.6551 40.0171 28.3451 38.3271C28.7659 37.9063 29.2209 37.5322 29.7048 37.2094C28.6434 36.5028 27.3706 36.0909 26.0027 36.0909Z\" fill=\"white\"><\/path><path d=\"M47.1441 26.0113C47.1323 26.0113 47.12 26.0114 47.1082 26.0116C44.6175 26.0321 42.6089 28.1848 42.6305 30.8102C42.6521 33.423 44.6764 35.5343 47.1509 35.5343C47.1628 35.5343 47.175 35.5343 47.1868 35.5341C48.4081 35.524 49.5477 35.0095 50.3959 34.0853C51.2243 33.1825 51.6748 31.9929 51.6645 30.7355C51.6429 28.1226 49.6187 26.0113 47.1441 26.0113Z\" fill=\"white\"><\/path><path d=\"M24.8489 26.0113C24.8371 26.0113 24.8249 26.0114 24.813 26.0116C22.3224 26.0321 20.3137 28.1848 20.3354 30.8102C20.3569 33.423 22.3812 35.5343 24.8557 35.5343C24.8676 35.5343 24.8798 35.5343 24.8917 35.5341C26.1129 35.524 27.2526 35.0095 28.1007 34.0853C28.9292 33.1825 29.3798 31.9929 29.3694 30.7355C29.3478 28.1226 27.3235 26.0113 24.8489 26.0113Z\" fill=\"white\"><\/path><path d=\"M36.0563 25.2713C33.1848 25.2713 30.8491 27.7391 30.8491 30.7731C30.8491 32.9656 32.0693 34.8626 33.8305 35.7458C34.5059 36.085 35.2607 36.2742 36.0563 36.2742C36.8519 36.2742 37.6067 36.085 38.2821 35.7458C40.0433 34.8626 41.2635 32.9656 41.2635 30.7731C41.2635 27.7391 38.9278 25.2713 36.0563 25.2713Z\" fill=\"white\"><\/path><\/g><defs><clippath id=\"clip0_4934_153\"><rect width=\"38\" height=\"38\" fill=\"white\" transform=\"translate(17 17)\"><\/rect><\/clippath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t33,000+<span class=\"driving\"> Employees<\/span>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTotal Employment Provided by Rakan Usahawan\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\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-88b789d e-con-full e-flex e-con e-child\" data-id=\"88b789d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e616982 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-invisible elementor-widget elementor-widget-icon-box\" data-id=\"e616982\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"72\" height=\"72\" viewbox=\"0 0 72 72\" fill=\"none\"><rect width=\"72\" height=\"72\" rx=\"15\" fill=\"white\" fill-opacity=\"0.3\"><\/rect><g clip-path=\"url(#clip0_4934_178)\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M38.4311 17.813L40.8751 19.6424C41.5436 20.1428 42.2471 20.3988 43.0808 20.4452L46.1289 20.6148C47.9541 20.7163 49.4365 21.9601 49.8534 23.74L50.5497 26.7124C50.7401 27.5253 51.1145 28.1738 51.7233 28.7451L53.9494 30.8344C55.2823 32.0854 55.6182 33.991 54.7936 35.6225L53.4164 38.347C53.0398 39.0922 52.9097 39.8295 53.0088 40.6585L53.3712 43.6899C53.5881 45.505 52.6206 47.1807 50.9402 47.9004L48.1338 49.1023C47.3663 49.431 46.7928 49.9122 46.3358 50.611L44.6649 53.166C43.6644 54.6958 41.846 55.3576 40.0962 54.8288L37.1739 53.9457C36.3747 53.7041 35.626 53.7041 34.8267 53.9457L31.9044 54.8288C30.1546 55.3576 28.3362 54.6958 27.3357 53.166L25.6648 50.611C25.2077 49.9122 24.6342 49.431 23.8668 49.1023L21.0602 47.9002C19.3799 47.1806 18.4123 45.5048 18.6293 43.6897L18.9916 40.6584C19.0907 39.8293 18.9607 39.092 18.584 38.3469L17.2068 35.6223C16.3822 33.991 16.7182 32.0853 18.0511 30.8342L20.2771 28.745C20.8859 28.1736 21.2602 27.5252 21.4506 26.7123L22.147 23.7399C22.5639 21.96 24.0463 20.7162 25.8715 20.6146L28.9196 20.4451C29.7532 20.3987 30.4568 20.1426 31.1252 19.6423L33.5693 17.8128C35.0326 16.7176 36.9677 16.7176 38.4311 17.813ZM34.4411 37.047L31.7888 34.3947C31.1013 33.7072 29.9863 33.7072 29.2989 34.3947C28.6115 35.0821 28.6115 36.1971 29.2989 36.8846L33.2 40.7856C33.8875 41.473 35.0025 41.473 35.6899 40.7856C38.0412 38.4342 40.366 36.0564 42.7065 33.6942C43.389 33.0054 43.3868 31.8939 42.6989 31.2098C42.0109 30.5256 40.8962 30.5275 40.213 31.2175L34.4411 37.047ZM36.0001 22.8887C32.3796 22.8887 29.1018 24.3563 26.7291 26.729C24.3564 29.1017 22.8889 32.3795 22.8889 36C22.8889 39.6205 24.3564 42.8984 26.7291 45.271C29.1018 47.6437 32.3796 49.1113 36.0001 49.1113C39.6206 49.1113 42.8985 47.6437 45.2712 45.271C47.6439 42.8984 49.1114 39.6205 49.1114 36C49.1114 32.3795 47.6439 29.1016 45.2712 26.729C42.8985 24.3563 39.6206 22.8887 36.0001 22.8887ZM44.3642 27.6359C42.2237 25.4954 39.2665 24.1714 36.0001 24.1714C32.7337 24.1714 29.7766 25.4954 27.6361 27.6359C25.4955 29.7764 24.1716 32.7336 24.1716 36C24.1716 39.2664 25.4955 42.2236 27.6361 44.3641C29.7766 46.5046 32.7337 47.8286 36.0001 47.8286C39.2665 47.8286 42.2237 46.5046 44.3642 44.3642C46.5047 42.2237 47.8286 39.2665 47.8286 36.0001C47.8287 32.7336 46.5047 29.7764 44.3642 27.6359Z\" fill=\"white\"><\/path><\/g><defs><clippath id=\"clip0_4934_178\"><rect width=\"38.481\" height=\"38\" fill=\"white\" transform=\"translate(16.7595 17)\"><\/rect><\/clippath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t35 <span class=\"driving\">Years<\/span>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEmpowering Bumiputera<br> Businesses\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\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<div class=\"elementor-element elementor-element-0360ac7 e-con-full e-flex e-con e-child\" data-id=\"0360ac7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d5c35e9 e-con-full e-flex e-con e-child\" data-id=\"d5c35e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc5cb2d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"dc5cb2d\" data-element_type=\"widget\" data-e-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\t\t<p><em>* Data as at Quarter 1, 2026<\/em><\/p>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f7bef0 e-flex e-con-boxed e-con e-parent\" data-id=\"7f7bef0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:35652,&quot;url&quot;:&quot;https:\\\/\\\/punb.benova.com.my\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/highlighted-2026.jpg&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a3851a0 e-con-full e-flex e-con e-child\" data-id=\"a3851a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a9157b3 e-con-full e-flex e-con e-child\" data-id=\"a9157b3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0279e97 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0279e97\" data-element_type=\"widget\" data-e-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\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Perkhidmatan Utama<\/h2>\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-b992f4a e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"b992f4a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-74fb8f8 e-con-full e-flex e-con e-child\" data-id=\"74fb8f8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<a class=\"elementor-element elementor-element-5070e29 e-con-full service-box e-flex e-con e-child\" data-id=\"5070e29\" data-element_type=\"container\" data-e-type=\"container\" href=\"\/ms\/products-services\/business-financing\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e4746c elementor-widget elementor-widget-heading\" data-id=\"1e4746c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pembiayaan Perniagaan<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-017b58d elementor-widget elementor-widget-text-editor\" data-id=\"017b58d\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-7be34e5 e-con-full service-box e-flex e-con e-child\" data-id=\"7be34e5\" data-element_type=\"container\" data-e-type=\"container\" href=\"\/ms\/products-services\/entrepreneur-development\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1087bcc elementor-widget elementor-widget-heading\" data-id=\"1087bcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pembangunan Usahawan<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1f7fd3 elementor-widget elementor-widget-text-editor\" data-id=\"a1f7fd3\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-b34fa63 e-con-full service-box e-flex e-con e-child\" data-id=\"b34fa63\" data-element_type=\"container\" data-e-type=\"container\" href=\"\/ms\/products-services\/prosper-hartanah\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7042ba2 elementor-widget elementor-widget-heading\" data-id=\"7042ba2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2cf0a9 elementor-widget elementor-widget-text-editor\" data-id=\"c2cf0a9\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<a class=\"elementor-element elementor-element-432979a e-con-full service-box e-flex e-con e-child\" data-id=\"432979a\" data-element_type=\"container\" data-e-type=\"container\" href=\"\/ms\/products-services\/special-incentives\/\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1551d0 elementor-widget elementor-widget-heading\" data-id=\"b1551d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Insentif Khas<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3786878 elementor-widget elementor-widget-text-editor\" data-id=\"3786878\" data-element_type=\"widget\" data-e-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\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\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t<div class=\"elementor-element elementor-element-12bef1a e-con-full e-flex e-con e-child\" data-id=\"12bef1a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:35653,&quot;url&quot;:&quot;https:\\\/\\\/punb.benova.com.my\\\/wp-content\\\/uploads\\\/2026\\\/09\\\/Frame-427319641.png&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11a4d1c elementor-widget elementor-widget-heading\" data-id=\"11a4d1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Tidak pasti yang mana?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46f1899 elementor-widget elementor-widget-text-editor\" data-id=\"46f1899\" data-element_type=\"widget\" data-e-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\t\t<p>Hubungi kami, biar kami bimbing anda!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-212777f elementor-align-left white-btn elementor-widget elementor-widget-button\" data-id=\"212777f\" data-element_type=\"widget\" data-e-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\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\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-e-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\" data-e-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\" data-e-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-e-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\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><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\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\" data-e-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\" data-e-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-e-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\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" 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 9\"><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 9\"><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=\"3 of 9\"><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=\"4 of 9\"><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=\"5 of 9\"><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=\"6 of 9\"><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=\"7 of 9\"><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=\"8 of 9\"><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=\"9 of 9\"><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\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-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\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\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-e-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\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><font style=\"vertical-align: inherit\"><font style=\"vertical-align: inherit\">Strategic Collaborators<\/font><\/font><\/h2>\t\t\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-e-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\t\t<div class=\"elementor-image-carousel-wrapper swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Image Carousel\" 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 34\"><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 34\"><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 34\"><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 34\"><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 34\"><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 34\"><figure class=\"swiper-slide-inner\"><img decoding=\"async\" class=\"swiper-slide-image\" src=\"https:\/\/punb.benova.com.my\/wp-content\/uploads\/2025\/05\/HDC.jpg\" alt=\"HDC\" \/><\/figure><\/div><div class=\"swiper-slide\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"7 of 34\"><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=\"8 of 34\"><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=\"9 of 34\"><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=\"10 of 34\"><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=\"11 of 34\"><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=\"12 of 34\"><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=\"13 of 34\"><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=\"14 of 34\"><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=\"15 of 34\"><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=\"16 of 34\"><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=\"17 of 34\"><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=\"18 of 34\"><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=\"19 of 34\"><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=\"20 of 34\"><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=\"21 of 34\"><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=\"22 of 34\"><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=\"23 of 34\"><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=\"24 of 34\"><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=\"25 of 34\"><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=\"26 of 34\"><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=\"27 of 34\"><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=\"28 of 34\"><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=\"29 of 34\"><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=\"30 of 34\"><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=\"31 of 34\"><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=\"32 of 34\"><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=\"33 of 34\"><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=\"34 of 34\"><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\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-e-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\" data-e-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-e-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-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Produk dan Perkhidmatan oleh Rakan Usahawan PUNB<\/h2>\t\t\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-e-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\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\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-e-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\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\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-e-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-e-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\t\t<img loading=\"lazy\" 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\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-e-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\t\t<img loading=\"lazy\" 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\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 faq-sec elementor-hidden-desktop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"2ec3e79\" data-element_type=\"container\" data-e-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\" data-e-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\" data-e-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-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tanya kami apa saja.<\/h2>\t\t\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-e-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\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\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\" data-e-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\" data-e-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-e-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\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\" data-e-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\" data-e-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-e-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\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 walau bagaimanapun 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><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>\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\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\" data-e-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\" data-e-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-e-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\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\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\" data-e-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\" data-e-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-e-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\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>\u00a0<\/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>\u00a0<\/p><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>\u00a0<\/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>\u00a0<\/p><p><strong>E. Saya menjalankan perniagaan ternakan haiwan. Adakah saya layak untuk memohon?<\/strong><\/p><p class=\"translation-block\">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 <a href=\"mailto:customerservice@punb.com.my\" target=\"_self\">customerservice@punb.com.my.<\/a><\/p>\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\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\" data-e-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\" data-e-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-e-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\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><strong>E. 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>\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\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\" data-e-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\" data-e-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-e-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\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 class=\"translation-block\">Tidak. Urusan berkaitan tanda tangan Surat Tawaran Pembiayaan Perniagaan PUNB adalah melalui e-sain dan hanya pemohon\/pemilik syarikat sahaja yang boleh menandatanganinya. Untuk maklumat lanjut, sila layari portal kami atau hubungi Khidmat Pelanggan kami di 1300 13 7862 atau e-mel ke <a href=\"mailto:customerservice@punb.com.my\" target=\"_self\">customerservice@punb.com.my<\/a>.<\/p>\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\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)\\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.\"}},{\"@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.\\u00a0B. 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)\\u00a0C. 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.\\u00a0D. 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 principles\\u00a0E. 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.\"}},{\"@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\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>35 Years CatalysingBumiputera Entrepreneurial Excellence PUNB empowers Bumiputera entrepreneurs with financing and business support to achieve excellence Discover Our Solutions More about PUNB 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 [&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":36241,"href":"https:\/\/punb.benova.com.my\/ms\/wp-json\/wp\/v2\/pages\/6046\/revisions\/36241"}],"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}]}}