Bank Islam Women in Business (BI WinBiz)

Bank Islam Women in Business (BI WinBiz) Women in Business Financing Programme (WinBiz) is a financing product specially designed for Malaysian Women Entrepreneurs under the category of Small and Medium Enterprise (SMEs) to cater for their working capital and/or capital expenses.

For enquiries email to:

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Financing Schemes

We offer our clients the financing schemes as mentioned below:

  • Business Term Financing

Purpose of Financing

The facility is to be used for working capital requirements as well as for capital expenditure (CAPEX) and shall not be applied for the purpose of refinancing existing facilities. (Inclusive of legal documentation costs and Syarikat Jaminan Pembiayaan Perniagaan (SJPP)


  • Financing amount from RM100,000 to RM 1mill
  • Collaterals
  • a) 80% SJPP Guarantee
    b) Joint Several Guarantee (JSG)

Optional Package/Facility

  • eBanker Lite
  • Bank Islam Business Credit Card-i
  • Merchant Terminal
  • Al-Awfar SME

Financing Rate

Attractive rates

Guarantee Fee

The guarantee fee is payable at 0.75% per annum

Guarantee Coverage

Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Eligibility & Requirements

  • Private limited company and must fall within SME definition.
  • At least 51% shares owned by Malaysian woman or women who is/are the key decision maker(s) for the past 2 years
  • Shareholders fund of not more than RM20 million based on latest audited account
  • In operation for at least 2 years

Product Disclosure Sheet (PDS)

Click here to view Product Disclosure Sheet (Eng Version)

Click here to view Product Disclosure Sheet (BM Version)

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