Targeted Relief & Recovery Facility (TRRF)

Targeted Relief and Recovery Facility (TRRF) is to aid the recovery and continuity of eligible SMEs in services sector affected by reintroduction of COVID-19 containment measure since June 2020.


SME (at least 51% shares held by Malaysians) in the service sector that are adversely affected by the Covid-19 reintroduction of containment measures since June 2020, would be eligible for the fund, such as Personal services (e.g. repair of computers / household goods, laundry, hairdressing, beauty), Food and beverage service activities, Human health and social work activities, Arts, entertainment and recreation, Wholesale and retail trade, and Business services (e.g. professional, scientific and technical activities; administrative and support service activities)

Note: TRRF is not applicable to the following categories:

  • Tourism and tourism-related subsectors.
  • Manufacturing and construction sectors.
  • Recipients for PENJANA Tourism Financing (PTF).
  • Recipient of Special Relief Facility (SRF) or PENJANA SME Financing (PSF) whose total financing limit exceed RM500,000.

Purpose of Financing

Working Capital (Legal documentation cost and agency fee to be included into the financing.)

Note: Financing shall not be used for the following activities:

  • Refinancing of existing credit/ financing facilities;
  • Purchase of shares;
  • Purchase of land/ real estate investment;
  • Property development;
  • Investment by investment holding companies;
  • Activities where the stock in trade is money (including credit, leasing, factoring and insurance businesses), except for money changing operators;
  • Gambling, alcohol, tobacco or other similar activities/ products; and
  • Non-Shariah compliant activities

Financing Amount

For Micro Enterprises: Up to RM75,000 per microenterprise

For SMEs: Up to RM500,000 per SME


  • The above is applicable for SMEs with common shareholder(s) of > 20% shareholding
  • Subject to the aggregate group limit not exceeding RM10.0million for all Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) guarantee schemes, including this financing OR, if borrower has been earlier approved for guarantee under Government Guarantee Scheme Prihatin (GGS Prihatin), not exceeding RM20.0 million for all SJPP guarantees schemes, including this financing. Group is defined as companies under the same group by way of shareholding (holding 50% or more), directors (providing guarantees) and guarantors related.

Financing Rate

Up to 3.5% p.a. (inclusive of 0.5% guarantee fees)

Financing Tenure

Up to 7 years, including a 6 months moratorium on monthly instalments.

Guarantee Coverage

SME: 80% of the financing amount is guaranteed by Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Microenterprise: Optional 90% guarantee cover by Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Availability of Fund

TRRF is made available from 1 December 2020 until 31 December 2021 or upon fully utilised (whichever is earlier)

Frequently Asked Questions (FAQ) / Product Disclosure Sheet

Click here for Frequently Asked Questions (FAQ)

Click here for Product Disclosure Sheet (TRRF) – ENG Version

Click here for Product Disclosure Sheet (TRRF) – BM Version

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