CAKNA Scheme (Skim CAKNA)


Skim CAKNA is a non-debt-based facility introduced by Bank Negara Malaysia (BNM) to provide quick liquidity to the Government vendors to finance the supply and services contracts awarded.

Participating Ministries

The scheme is targeting Companies that have been awarded with the supply and services contracts by the following participating Ministries:

  • Ministry of Health
  • Ministry of Education
  • Ministry of Higher Education
  • Ministry of Communication and Multimedia
  • Ministry of Defense
  • Ministry of Home Affairs
  • Ministry of Rural Development
  • Ministry of Agriculture and Food Industry
  • Ministry of Youth and Sports
  • Ministry of Women, Family and Community Development


  • Easy access to quick funding
  • Competitive pricing of up to 5%
  • Funding up to 100% of invoice value
  • Non-recourse to the Company with zero impact on the customers’ gearing / leverage positions
    *Non-Recourse means the Bank will receive payment from Government except for situations stipulated in the agreement.
  • No collateral is required
  • Simplified and fast approval process


Open to all companies that have been awarded with the supply and services contracts by the participating Ministry

Facilities offered

Trade Working Capital Financing-i (TWCF-i) – Sales (Post Financing)

Margin of Financing

Up to 100% of the invoice value


Up to 180 days


Not exceeding 5% per annum

How to apply

  • Fill up the form completely
  • Submit the completed form with the supporting documents to the nearest Bank Islam branches .
  • For more information, please email to