Agrobank Loan Malaysia 2025: Pembiayaan Pertanian & Komersial Agrobank

Agrobank Malaysia adalah institusi kewangan milik kerajaan yang memfokuskan kepada pembangunan sektor pertanian di Malaysia. Ditubuhkan pada tahun 1969 dan beroperasi di bawah seliaan Menteri Kewangan (Diperbadankan), Agrobank memainkan peranan penting dalam menyediakan pelbagai Agrobank loan dan kemudahan kewangan yang menyokong aktiviti pertanian.

Dahulunya dikenali sebagai Bank Pertanian Malaysia, bank ini berpandukan dasar-dasar yang ditetapkan oleh Kementerian Pertanian dan Industri Makanan (MAFI) untuk merangsang pertumbuhan sektor pertanian dan industri berkaitan. Dengan gabungan peranan pembangunan dan komersial, Agrobank Malaysia terus memperkukuh ekosistem pertanian negara melalui pembiayaan bersasar dan mesra pelanggan.

Agrobank menawarkan pelbagai bentuk pembiayaan pertanian dan perniagaan, disesuaikan untuk usahawan tani, perusahaan mikro, serta syarikat komersial. Berikut ialah antara jenis pembiayaan yang disediakan oleh Agrobank:

Personal Financing

• AgroCash-i Personal Loan: This loan service provides an approved financing amount of up to RM200,000 with different interest rates based on the borrowed amount. The rates are: Less than RM 3,000: BR + 4.72% on monthly rest, RM 3,001 – RM 5,000: BR + 4.46% on monthly rest, RM 5,000 and above: BR + 4.35% on monthly rest. Takaful Protection Scheme is compulsory with this loan service.
• Agrobank Hartani-i – Land Development Loan: This loan service is designed for personal financing, allowing up to 90% of the land value to be borrowed with borrowing periods extending to a maximum of 20 years, or until the borrower reaches 60 years old, whichever is earlier.

Business and Agriculture Financing

• Credit Limit Enhancement Program (CLEP): Aimed at long-standing and creditworthy existing customers of Agrobank to be automatically considered for an increase in their credit facilities. The financing limit under this program could go up to RM1,000,000 with a tenure of up to ten years.
• Program Agropreneur Muda (PAM): This program is targeted at young entrepreneurs in the agriculture sector, providing financing for fixed and operational capital for new and expansionary purposes. The financing limit for new projects is up to RM 50,000 and for existing projects up to RM 300,000 with a tenure of 7 years.
• Group Financing Program (GFP): Designed to assist entrepreneurs in selective sectors with market potential to start and develop a project with the guidance of expert companies. This program also aims at assisting successful companies in expanding their business by providing capital in exchange for expertise and knowledge transfer.
• Program Pembiayaan Dana TERAS: This program is to pursue more potential companies and ensure the participation of the Bumiputera companies with a financing limit of up to 80% of the project cost or RM5.0 million, whichever is lower, and a tenure capped at ten years.

Equipment Financing

• Machinery & Equipment Financing-i (MAEF-i): This financing program is listed on Agrobank’s official website under their term financing section, although the specifics regarding this service are not provided in the available resources.

Agrobank also has other financing programs and schemes tailored to different needs and sectors. They ensure that their financing services are in line with Islamic banking principles, and they have a strong focus on supporting the agricultural sector and related industries in Malaysia.