101 Guide On PEMULIH For Businesses in Malaysia

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The COVID-19 pandemic is nowhere near its final leg. To ensure that businesses survive the pandemic, the government has introduced a stimulus package name “PEMULIH” to aid businesses, especially Micro, Small, and Medium Enterprises (MSMEs). Today, we will briefly explore some of the programs, initiatives and packages that are offered under PEMULIH.


Loan Moratorium

Prior to this, the government has granted several repayment assistance schemes (including an automatic moratorium from April until September 2020) that has term and conditions to it. However, beginning 7 July 2021, MSMEs will be able to tap into another loan moratorium for a period of 6 months. Unlike the previous moratorium, this one comes with no strings attached i.e. no conditions and no documentation is required when one applies for it.

What does an MSME need to do? Simply approach their respective bank and sign an agreement containing the amended loan terms when their applications are approved.

Electricity Discount

An extension of the economic stimulus package (PEMERKASA Plus) that was offered to the tourism sector that begins in June 2021 and is slated to end in September 2021, hotel operators, theme parks, convention centres, shopping malls, local travel agencies, as well as travel and tour agencies (i.e. businesses in the tourism sector) will be provided with a flat 10% discount on electricity bills between October and December 2021.

Gerak Khas Prihatin (GKP) 4.0

Aimed at (initially) ensuring the survival of eligible SMEs and MSMEs during the initial stages of MCO (including payment of RM1,000.00 that will be made in mid-July 2021 under GKP 3.0, offered via PEMERKASA Plus), the government has since updated it several times to offer further assistance, especially to small traders that are still not allowed to operate during the MCO. This time around, SMEs and MSMEs will be receiving an additional payment of RM500.00 in September and November respectively.

Wage Subsidy Programme (PSU) 4.0

Initially only available to employees with salaries less than RM4,000.00 per month, PSU 4.0 will now be available for all employees regardless of how much they earn a month. Employers are encouraged to apply for PSU to ensure that they are able to receive a wage subsidy of RM600 for 500 of their employees over a period of at least two months plus an additional two months if their sectors are categorized as negative until the third phase of National Recovery Plan (NRP).

Penjana Kerjaya Programme 3.0

The programme offers incentives to businesses that hire new employees or offer reskilling and upskilling programmes for their employees, especially if they are hiring local workers. Currently, it has been updated to include:

  1. Lowering the eligibility criteria for employers (when it comes to hiring and paying an employee) to claim this incentive;
  2. Allowing certain group of individuals to be tied down to shorter contract (contract period will also be reduced from 12 months to 6 months for employees aged 50 and above, the disabled, and ex-convicts).

One-off Financial Aids

This is given specifically to selected businesses, including kindergarten operators, canteen operators, sports facilities, and tourism agencies. For example:

  1. Kindergarten operators will obtain RM3,000 cash aid to help them purchase sanitation and disinfecting equipment. 
  2. Registered canteen operators and sport facility operators will be provided RM1,000 and RM3,000, respectively, for the same reason above.
  3. Registered tourism agencies will receive the following when the country enters third phase of PEMULIH:
    1. One-off cash aid of RM3,000.00; and
    2. Service tax exemptions until the end of the year.

Syarikat Jaminan Pembiayaan Perniagaan Bhd (SJPP)

SJPP offers schemes whereby the government can be a guarantor (up to 80%) for SMEs (provided that they are eligible) when the SMEs apply for credit facilities from selected financial institutions. To sweeten the deal, SJPP has since increased the guarantee ceiling by another RM20 billion for eligible SMEs.

Log on to https://www.sjpp.com.my/eligibility/eligibility to find out more.


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