OCDE - Financing SMEs and Entrepreneurs 2026 - Malasia de 2026

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FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

Key facts on SME financing According to the latest official data published by the Department of Statistics, Malay sia (DOSM), MSMEs accounted for 96.1% (1 086 386 firms) of all business establishments in Malay sia in 2024. This marks an increase of nearly 180 000 firms compared to 907 065 in 2015, reflecting an averag e annual growth rate of 2.0% over the period. Credit conditions remained supportive of businesses’ financing needs, as financing to businesses grew by 5.1% in 2024 (2023: 3.7%). Of this, outstanding MSME financing growth continued to remain s trong at 8.1% in 2024 (2023: 8.7%), supported by continued disbursements mainly for working capital purposes. MSME financing approvals also recorded higher approval rate of 81.5% as compared to 2023 with 80.9%. The total value of MSME outstanding stock of loans has more than tripled in the last decade and a half, surging from MYR 141 billion in 2010 to MYR 418 billion in 2024 (2023: MYR 386 billion). The share of MSME financing within total business loans has expanded markedly from 38% in 2010 to 51% in 2024, indicating that MSMEs now account for more than half of all business lending, a notable increase from the pre-pandemic level of below 45%. In 2024, Malaysia’s central bank, Bank Negara Malaysia (BNM) prioritised initiatives which assisted businesses, especially MSMEs to buil d business resilience, improve access to finance and transition to green practices. BNM also directed efforts at rais ing financial literacy levels and understanding onthe-ground financial inclusion challenges to ensure effective interventions. The year 2024 recorded sustained momentum in MSME financing approvals, with over MYR 193 billion

access to finance and transition to green practices. BNM also directed efforts at rais ing financial literacy levels and understanding onthe-ground financial inclusion challenges to ensure effective interventions. The year 2024 recorded sustained momentum in MSME financing approvals, with over MYR 193 billion approved, an increase from MYR 187 billion in 2023, which reflects the continued confidence of financial institutions in supporting MSME growth and expansion. Efforts to promote alternative financing to provide options and diversification to MSMEs h ave been amplified. The Securities Commission Malaysia (SC) continued to put efforts i n spurring the growth of alternative financing as well as shoring confidence in this area. For the year 2024, a total of MYR 4.1 billion was raised via peer-to-peer (P2P) financing, equity crowdfunding (ECF) and venture capital/private equity (VC/PE), reflecting growing interest in supporting small businesses. Among key market development initiatives introduced by SC in 2024 was the ‘Catalysing MSME and MTC Access to the Capital Market: 5-Year Roadmap (2024-2028) ’ aimed to intensify efforts to advance this segment. Malaysia2 

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

Table 1. Scoreboard for Malaysia Indicator Unit 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Debt Outstanding business loans, MSMEs MYR billion 128.0 138.9 141.6 141.2 165.3 187.0 211.0 243.7 274.4 299.7 315.7 297.6 303.0 329.3 336.0 355.2 386.1 418.2

Outstanding business loans, total MYR billion 290.7 328.3 343.1 375.3 422.0 461.6 499.8 545.9 588.1 615.9 623.8 658.9 688.8 691.3 723.4 748.2 776.1 817.5 Share of MSME outstanding loans % of total outstanding business loans 44.0 42.3 41.3 37.6 39.2 40.5 42.2 44.6 46.7 48.7 50.6 45.2 44.0 47.6 46.5 47.5 49.7 51.2 New business lending, total MYR billion 164.0 129.5 105.2 141.4 171.7 166.1 140.8 148.6 156.6 145.8 159.5 159.0 271.1 234.7 265.7 338.7 380.2 397.3 New business lending, MSMEs MYR billion 63.2 58.9 50.9 62.2 75.2 82.9 78.3 77.7 72.0 74.6 70.7 69.6 131.1 111.4 126.1 154.3 187.2 193.2 Share of new MSME lending % of total new lending 38.6 45.5 48.4 44.0 43.8 49.9 55.6 52.3 45.9 51.2 44.3 43.8 48.3 47.5 47.5 45.6 49.2 48.6 Share of short-term MSME loans outstanding % of total MSME lending

Share of short-term MSME loans outstanding % of total MSME lending

22.84 22.76 23.28 23.76 24.45 24.46 Impaired financing, total % of all business loans 8.3 6.2 5.3 6.3 5.1 4.0 3.6 3.3 3.2 3.3 3.3 3.2 3.5 3.5 3.6 3.6 3.5 3.1 Impaired financing, MSMEs % of all MSME loans 9.4 7.1 6.3 7.5 5.8 4.6 3.9 3.5 3.2 3.0 3.2 3.4 3.3 3.1 3.2 3.6 3.8 3.5 Interest rate, MSMEs % 6.06 6.39 5.50 5.69 5.74 5.72 5.53 5.77 5.99 6.01 5.82 6.06 6.05 4.91 4.68 4.98 5.78 5.64 Collateral, MSMEs % of MSMEs accounts with newly approved loans with collateral pledged

54.5 50.2 53.6 51.3 Rejection rate 1-(SME loans authorised/ requested) 19.0 25.6 21.0 18.5 19.1 18.5 Non-bank finance Total investment during the year by VC/PE firms MYR million 479 477 597 453 253 230 264 318 365 569 418 613 566 334 1 063 1 275 1 617 1 512 Leasing and Factoring MYR million

721 918 1 099 1 170 1 086 834 1 280 3

Leasing and Factoring MYR million

721 918 1 099 1 170 1 086 834 1 280 3

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

Macroeconomic and financing conditions Despite challenges from the global macroeconomic environment, the Malaysian economy recorded higher growth, driven by stronger domestic demand and a rebound in exports . The Malaysian economy grew by 5.1% (2023: 3.6%), anchored by stronger domestic demand. Of significance, the ongoing investment upcycles led to the highest investment growth in a decade, with added impetus from the realisation of electrical and electronics (E&E) and information and communication technology (ICT) projects. Household spending remained resilient, benefitting from favourable labour market conditi ons, continued wealth accumulation and effective policy support. On the external front, exports strengthened following improv ed demand from key trade partners and positive spillovers from the global technology upcycle. Meanwhile, imports grew at a much faster pace, driven by stronger demand for capital and intermediate goods to support rising inves tments and trade. From a sectoral perspective, services and manufacturing remained the primary growth drivers, with all sectors recording higher growth relative to 2023 due to improved domestic and external conditions. In line with stronger domestic economic activity, outstanding loans grew higher at 5.6% (2023: 5%) while corporate bonds grew by 3.4% (2023: 4.2%). Households remained the major borrower segment, contributing to this growth, with continued labour market improvements providing impetus to credit demand. Meanwhile, business loans recorded higher growth driven mainly by an increa se in investmentrelated loans, owing to the increase in private investment amid the positive economic and business outlook. Across business sizes, loan growth in micro, small and medium enterprises (M SMEs) continued to be strong, while non-SMEs recorded a more modest increase given the availability of alternative funding sources such as capital market funding and retained earnings. Overall, credit c onditions remained

Across business sizes, loan growth in micro, small and medium enterprises (M SMEs) continued to be strong, while non-SMEs recorded a more modest increase given the availability of alternative funding sources such as capital market funding and retained earnings. Overall, credit c onditions remained supportive of household and business needs, underpinned by stable loan approvals. MSMEs in the national economy MSMEs are the driving force behind the nation’s competitiveness, innovation and resilience in facing global challenges. Their influence extends far beyond their numbers, shaping the bus iness landscape through their remarkable resilience and adaptability. MSMEs are pivotal drivers of job creation, exports and economic growth. They navigate an array of challenges and capitalise available opportunities to rise in an ever-evolving market. According to the latest official data published by the Dep artment of Statistics, Malaysia (DOSM), MSMEs accounted for 96.1% (1 086 386 firms) of all business establishments in Malaysia in 2024. This marks an increase of nearly 180 000 firms compared to 907 065 in 2015, reflecting an average annual growth rate of 2.0% over the period. Based on the breakdown by key economic sectors, services sector comprised 84.4% of total MSMEs, equivalent to 917 070 firms. The construction sector remained the second largest, contr ibuting 8.7% (94 152 firms). Meanwhile, 5.3% of MSMEs (57 187 firms) were involved in the manufacturing sector, followed by 1.4% (15 630 firms) in agriculture and the remaining 0.2% (2 347 firms) in the mining & quarrying sector.4 

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

Table 2. Distribution of MSMEs in Malaysia by Sector, 2024 Sector Number of Establishments % share Services 917 070 84.4 Construction 94 152 8.7 Manufacturing 57 187 5.3

Table 2. Distribution of MSMEs in Malaysia by Sector, 2024 Sector Number of Establishments % share Services 917 070 84.4 Construction 94 152 8.7 Manufacturing 57 187 5.3 Agriculture 15 630 1.4 Mining & Quarrying 2 347 0.2 Total 1 086 386 100.0

Source: Department of Statistics Malaysia (DOSM), July 2025

In terms of business size, the majority of MSMEs in Malaysia were microenterpris es, forming 70.1% (761 897 firms). Meanwhile, small-sized firms accounted for 28.2% (306 764 fi rms), while medium-sized firms constituted the remaining 1.6% (17 725 firms).

Table 3. Distribution of MSMEs in Malaysia by size, 2024 Size Number of Establishments % share Microenterprises 761 897 70.1 Small 306 764 28.2 Medium 17 725 1.6 Total 1 086 386 100.0

Source: Department of Statistics Malaysia (DOSM), July 2025

Malaysia’s MSMEs GDP grew by 5.8 % in 2024, contributing MYR 652.4 billion in value added, or 39.5 % of Malaysia’s GDP. MSMEs recorded a slightly higher growth compared to Malaysia’s overall GDP growth of 5.1 % in 2024. Comparing with the 2023 performance, the MSMEs GDP expanded by 4.9 % , with a value added of MYR 616.6 billion. Looking at the performance by sectors for the year 2024, the expansion of MSMEs value added was supported by steady performance in the Services and Manufacturing sectors, which comprise 84.7 % of the MSMEs’ GDP. This was followed by the Agriculture (8.7%), Construction (5.0%) and Mining & Quarrying (0.5%) sectors.

of MSMEs value added was supported by steady performance in the Services and Manufacturing sectors, which comprise 84.7 % of the MSMEs’ GDP. This was followed by the Agriculture (8.7%), Construction (5.0%) and Mining & Quarrying (0.5%) sectors. Exports of MSMEs amounted to MYR 196.8 billion, recording growth of 31.3 % compared to 3.0 % in 2023. This increase was supported by the Services and Manufacturing sectors, which grew by 114.8 % and 7.9 %, respectively. In addition, MSMEs’ exports accounted for 14.3 % of the total exports in 2024. MSMEs' employment continued to register an increase, albeit at a slower an nual growth of 3.1 % as compared to 3.5 % in 2023, reaching a total of 8.10 million persons. Accordingly, the contribution of MSMEs' employment to Malaysia's total employment in 2024 was 48.7 %, an increase of 0.2 percentage points compared to the previous year. MSMEs' labour productivity improved by 2.6 %, reaching MYR 80 507 per person. All sector recorded growth in labour productivity, with the highest growth was recorded in the Construction sector (16.8%), followed by the Manufacturing (2.2%), Mining & Quarrying (2.0%), Agriculture (1.9%) and Services (1.6%) sectors. MSME Lending Financial institutions have continued to demonstrate strong and consistent suppor t for MSMEs, as evidenced by the significant growth in outstanding MSME loans over the past dec ade. The total value of these loans has more than tripled, surging from MYR 141 billion in 2010 to MYR 418 billion in 2024 (2023: MYR 386 billion). 5

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

MYR 386 billion). 5

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

In 2024, outstanding business loans recorded higher growth at 5.1% (2023: 3.7%) driven mainl y by an increase in loans for investment-related purposes. The improvement in investment-related loans reflected the increase in private sector investment activities amid the positive economic and business outlook. In particular, this was more notable in sectors such as ICT and E&E. Large-scale public investment initiatives such as the NETR and the NIMP also contributed to spurring a stronger inves tment appetite amon g businesses, supporting the demand for financing. The pick-up in investment-r elated loans was more pronounced for SME borrowers, which continued to record a strong overall loan growth in 2024 Correspondingly, the share of MSME financing within total business loans has expanded markedly from 38% in 2010 to 51% in 2024, indicating that MSMEs now account for more than half of all business lending, a notable increase from the pre-pandemic level of below 45%. Across business sizes, loan growth in micro, small and medium enterprises (M SMEs) continued to be strong, while non-SMEs recorded a more modest increase given the availability of alternative funding sources such as capital market funding and retained earnings. Overall, credit con ditions remained supportive of household and business needs, underpinned by stable loan approvals. Outstanding DFI financing grew by 5.6% to MYR 183.3 billion in 2024 (2023: 6% to MYR 173 .5 billion), supporting more than 3 million MSMEs, including microenterprises, startups and the low-income group. The financing has yielded positive impacts, creating and sustaining employ ment for more than 130 000 individuals. Additionally, in 2024, more than 14 000 business customers were able to grow their businesses as evidenced by higher sales turnover and business expansion.

The financing has yielded positive impacts, creating and sustaining employ ment for more than 130 000 individuals. Additionally, in 2024, more than 14 000 business customers were able to grow their businesses as evidenced by higher sales turnover and business expansion. Following the Budget 2024 announcement, the restructuring of DFIs involving the merge r of Bank Pembangunan Malaysia Berhad, SME Bank and EXIM Bank is well underway. By combining resources and expertise, the newly merged DFI is anticipated to offer more comprehensive fi nancial solutions and capacity building initiatives, particularly to the unserved and underserved groups such as SMEs and Bumiputera enterprises. Alternative Sources of MSME Financing The efficient mobilisation of capital is crucial for enhancing the sustaina bility and competitiveness of the Malaysian capital market. Towards this end, the Securities Commission Malaysia (SC) continues to improve market inclusivity and accessibility and enable more diverse investme nt options for investors spanning across both traditional and alternative markets. Efforts are mainly focused on the augmentation of investment landscape and products, broadeni ng of the derivative markets, expansion of players and products in the digital asset space and empowering purposedriven innovation towards a dynamic market in this digital era. In tandem with reinforcing the existing financial ecosystem, fundraising avenues continue to be enhanced, particularly to support MSMEs and mid-tier companies (MTCs) in accessing growth capital and scaling their businesses. Venture Capital and Private Equity The total number of registered corporations stood at 145 as of 31 December 2024. The venture capital segment accounted for 115 registered corporations (Venture Capital Management Corporation, VCMC and Venture Capital Corporation, VCC), while the private equity segment consisted of 30 r egistered corporations (Private Equity Management Corporation, PEMC and Private Equity Cor poration, PEC). As at end 2024, the number of professionals employed by the industry with at least 4 years of experience stood at 278.6 

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

at end 2024, the number of professionals employed by the industry with at least 4 years of experience stood at 278.6 

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

Table 4. Venture Capital and Private Equity Funds in Malaysia Source of funds 2024 2023 Number of registered corporations 145 137 Number of registered Venture Capital Management Corporation (VCMCs) and Venture Capital Corporation (VCCs) 115 113 Number of registered Private Equity Management Corporation (PEMC) and Private Equity Corporation (PEC) 30 24 Number of VC and PE professionals 278 305

Note: Professionals with more than 4 years of experience Source: Annual Report 2024, Securities Commission Malaysia Total committed funds in the industry as at the end of 2024 stood at MYR 18.01 billion and MYR 6.70 billion for private equity (PE) and venture capital (VC) respectively, with a combined total of MYR 24.70 billion.

For private equity, commitments are sourced largely from corporate investors (40.91%), indi viduals and family offices (16.77%) and financial institutions (13.27%). For venture capital, government agencies and investment companies (35.99%), sovereign wealth funds (20.15%) and individuals and family offices (19.55%) make up the top 3 sources of funding. VC investments in 2024 concentrated on growth stage (44.60%), followed by early stage (35.98 %) and start-up stage (13.44%) opportunities. PE investments were primarily channelled into growth stage (83.82%), with some investments made in early-stage opportunities (16.18%). In total, 90 VC and PE deals were recorded in 2024. Equity Crowdfunding Since its inception, ECF has garnered a total fundraising amount of MYR 776. 15 million across 404 campaigns, with Shariah-compliant campaigns contributing 4% of the total funds raised. Total funds raised

were recorded in 2024. Equity Crowdfunding Since its inception, ECF has garnered a total fundraising amount of MYR 776. 15 million across 404 campaigns, with Shariah-compliant campaigns contributing 4% of the total funds raised. Total funds raised in 2024 decreased by 23% to MYR 97.57 million, compared to MYR 126.28 million in 2023. A similar declining trend is observed in the number of successful campaigns, which dropped from 51 in the previous year to 35 in 2024. Despite the overall decline in total funds raised in 2024, there was an incr ease in the growth of larger campaigns, raising funds exceeding MYR 3 million. These constituted 31% of the c ampaigns in 2024, up from 25% in 2023 Wholesale and retail trade, repair of motor vehicles and motorcycles received the highest funding in 2024, amounting to MYR 24.67 million. Meanwhile, the agriculture, forestry, and fishing s ectors experienced significant growth, with the total amount raised doubling to MYR 17.81 million in 2024. Peer-to-Peer Financing Since its inception, P2P financing has raised a total of MYR 8.49 billi on via 120 370 campaigns with 20% of the total funds raised contributed by Shariah-compliant campaigns (2023: 15%). In 2024, the total funds raised increased by 20% to MYR 2.51 billion, from MYR 2.09 billion in 2023. Li kewise, total campaigns in 2024 increased to 34 512 from 31 002 in 2023. Campaign sizes in 2024 continued to be of smaller fundraising amounts, with 66 % of campaigns raising MYR 50 000 and below. Wholesale and retail trade as well as repair of motor vehicles an d motorcycles remained the largest sector served in 2024, raising MYR 1.28 billion and contribu ting 51% of the total fundraising for the year. 7

MYR 50 000 and below. Wholesale and retail trade as well as repair of motor vehicles an d motorcycles remained the largest sector served in 2024, raising MYR 1.28 billion and contribu ting 51% of the total fundraising for the year. 7

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

Government Policy Response Skim Pembiayaan Mikro (SPM) In 2024, Bank Negara Malaysia (BNM) issued the Policy Document on Skim Pembiayaan Mikro (SPM) which aims to enhance access to financing and service quality to microentrepreneurs. The SPM financing limit is increased to MYR 100 000 (from MYR 50 000) without collateral. Guarantee schemes were also introduced by the Credit Guarantee Corporation in collaboration with participating financial institutions (PFIs) to support microentrepreneurs who might otherwise be assessed as too ris ky. Currently, 15 PFIs offer 42 microfinancing products under SPM, which have benefitted over 300 000 microentre preneurs since inception. As at end-2024, outstanding financing under SPM grew by 19.2% to MYR 2.1 billion (end2023: MYR 1.8 billion). Catalysing MSME and MTC Access to the Capital Market: 5-Year Roadmap (2024-2028) The Micro, Small and Medium Enterprises (MSMEs) and Mid-Tier Companies ( MTCs) Roadmap aims to better position the capital market as an attractive and robust source of financi ng for MSMEs and MTCs. While MSMEs and MTCs traditionally rely on bank financing, there is much potential for the capital market to play a bigger role, diversifying the funding sources of MSMEs and MTCs while nar rowing the financing gap that exists. Furthermore, greater inclusion of firms of all sizes signals a deep and well-diversified capital market, potentially attracting a greater supply of both domestic and foreign capital, and thus positioning

to play a bigger role, diversifying the funding sources of MSMEs and MTCs while nar rowing the financing gap that exists. Furthermore, greater inclusion of firms of all sizes signals a deep and well-diversified capital market, potentially attracting a greater supply of both domestic and foreign capital, and thus positioning Malaysia as a preferred fundraising destination for MSMEs and MTCs in the region. The target addressable universe of the MSME and MTC Roadmap is approximately 28 000 MSMEs, MTCs and startups with large economic impact and high potential to raise funds in the capital market Five guiding principles form the underlying foundation for the MSME and MTC Roadmap’s nine cross cutting strategies and 36 initiatives. These are anchored on three key approaches namely regulatory and product innovation; market infrastructure; and capacity building. In its first year, a third of the 36 initiatives of the MSME and MTC Roadmap have been implemented. A key outcome envisaged under the MSME and MTC Roadmap is a targeted MYR 40 billion in total funds raised via the capital market by 2028. This objective is to be achieved through the i ntroduction of new frameworks, market infrastructure, and capacity-building programmes in building a robust p ipeline of MSMEs and MTCs into the capital market. Malaysia Venture Capital Roadmap 2024 - 2030 The Malaysia Venture Capital Roadmap 2024 –2030, launched in April 2024 by the Ministry of Science, Technology and Innovation (MOSTI) will strategically position Malaysia as an emerging venture capital (VC) hub in Southeast Asia and aimed to elevate Malaysia as a premier destination for VC investments in the region. The Roadmap seeks to strengthen the nation’s VC ecosystem by setting four (4) k ey targets, achieved through a comprehensive transformation framework which is built upon three (3) strategic pillars and to be implemented through 11 interventions to address the current challenges. Aligned with Malaysia’s vision for a vibrant and inclusive innovation-driven economy, the Malaysia Venture Capital Roadmap 2024 – 2030 is built upon three strategic pillars:

through a comprehensive transformation framework which is built upon three (3) strategic pillars and to be implemented through 11 interventions to address the current challenges. Aligned with Malaysia’s vision for a vibrant and inclusive innovation-driven economy, the Malaysia Venture Capital Roadmap 2024 – 2030 is built upon three strategic pillars: Funding: The Roadmap emphasises the strategic allocation of funds contributed by government agencies and private investors, with a focused approach on key sectors critical to Malaysia’s economic development.8 

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

Regulatory Reform: It advocates for the establishment of a clear governance structure encompassin g policy oversight and development mechanisms to ensure a conducive regulatory environment for venture capital activities.

Capacity Building: The Roadmap seeks to promote the establishment of an inclusi ve ecosystem that attracts both local and foreign talent, fostering diverse perspectives crucial for sustainable growth and innovation.

The Malaysia Venture Capital Roadmap 2024 –2030 with a well-thought-out phased intervention plan, reflects a deep commitment by all parties to evolve the current ecosystem into a mor e dynamic, efficient, and attractive hub for Venture Capital activity. Figure 1. Trends in SME and entrepreneurship finance in Malaysia 9

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

Table 5. Sources and definitions of Malaysia’s Scoreboard Indicator Definition Source Debt Outstanding business loans, MSMEs Loans from financial institutions to MSMEs using the national MSME definition, outstanding amount as at end-period. Includes individuals taking up loans for business purposes Central Bank of Malaysia (Supply-side data) Outstanding business loans, total Loans from financial institutions to all non-financial private enterprises, outstanding amount as at end-period Central Bank of Malaysia (Supply-side data) Share of MSME outstanding loans MSME loans from financial institutions as a percentage of total business loans, outstanding amount as at end-period

Loans from financial institutions to all non-financial private enterprises, outstanding amount as at end-period Central Bank of Malaysia (Supply-side data) Share of MSME outstanding loans MSME loans from financial institutions as a percentage of total business loans, outstanding amount as at end-period Central Bank of Malaysia (Supply-side data) New business lending, total Loans approved by financial institutions to all non-financial private enterprises during the period Central Bank of Malaysia (Supply-side data) New business lending, MSMEs Loans approved by financial institutions to MSMEs using the national MSME definition, during the period. Includes individuals taking up loans for business purposes. Central Bank of Malaysia (Supply-side data) Share of new MSME lending MSME loans approved as a percentage of total business loans approved, during the period Central Bank of Malaysia (Supply-side data) Outstanding short-term loans, MSMEs MSME loans up to one year maturity; outstanding amount as at period N/A Share of short-term MSME loans outstanding N/A Central Bank of Malaysia (Supply-side data) Share of long-term MSME loans outstanding MSME loans with more than one year maturity; outstanding amount Central Bank of Malaysia (Supply-side data) Guarantee and Financing Schemes Guaranteed and financing schemes (approved amount) Credit Guarantee Corporation Malaysia Berhad (CGC) Government loan guarantees, MSMEs Guaranteed and financing schemes (approved amount) Credit Guarantee Corporation Malaysia Berhad (CGC) Government guaranteed loans, MSMEs Guaranteed and financing schemes (approved amount) Credit Guarantee Corporation Malaysia Berhad (CGC) Impaired business loans, total Loan is classified as impaired: i) where the principal or interest or both of the loans is past due for more than 90 days or 3 months. In the case of revolving facilities (e.g.

Berhad (CGC) Impaired business loans, total Loan is classified as impaired: i) where the principal or interest or both of the loans is past due for more than 90 days or 3 months. In the case of revolving facilities (e.g. overdraft facilities), the facility shall be classified as impaired where the outstanding amount has remained in excess of the approved limit for a period of more than 90 days or 3 months; or (ii) where the amount is past due or the outstanding amount has been in excess of the approved limit for 90 days or 3 months or less, the loan exhibits weaknesses in accordance with the banking institution’s credit risk grading framework; or (iii) when the loans is classified as rescheduled and restructured in CCRIS. Central Bank of Malaysia (Supply-side data) Impaired loans, MSMEs Loan is classified as impaired: i) where the principal or interest or both of the loans is past due for more than 90 days or 3 months. In the case of revolving facilities (e.g. overdraft facilities), the facility shall be classified as impaired where the outstanding amount has remained in excess of the approved limit for a period of more than 90 days or 3 months; or (ii) where the amount is past due or the outstanding amount has been in excess of the approved limit for 90 days or 3 months or less, the loan exhibits weaknesses in accordance with the banking institution’s credit risk grading framework; or (iii) when the loans is classified as rescheduled and restructured in CCRIS. Central Bank of Malaysia (Supply-side data) Interest rate, MSMEs Average of the interest rates on new MSME loans approved by commercial banks, during the year Central Bank of Malaysia (Supply-side data) Collateral, MSMEs Share of MSME accounts with newly approved loans with collateral pledged, during the year

Central Bank of Malaysia (Supply-side data) Non-bank finance10 

commercial banks, during the year Central Bank of Malaysia (Supply-side data) Collateral, MSMEs Share of MSME accounts with newly approved loans with collateral pledged, during the year

Central Bank of Malaysia (Supply-side data) Non-bank finance10 

FINANCING SMES AND ENTREPRENEURS 2026: MALAYSIA © OECD 2026

Venture and growth capital Total investment as at end of the period Securities Commission Annual Report Total investment as at end of the period Total investment as at end of the period Securities Commission Annual Report Total inves