1Malaysia Hawker & Small Business Foundation Microcredit



1Malaysia Hawker & Small Business Foundation (Yayasan Penjaja dan Peniaga Kecil 1Malaysia (YPPKM)) was established in 2015 by the Government to realise the concept of 1Malaysia among the hawkers and small business. The Foundation runs activities beneficial to hawkers and small businesses including assists them to expand their business and improve their livelihood.

The current major project is the Microcredit Scheme which was announced by the Prime Minister in Budget 2015. Easy loans totalling 30 million ringgit are available for Chinese hawkers and small businesses and it is administered by the above Foundation. A special unit known as Unit Pembangunan Penjaja, Peniaga Kecil dan Wakaf Hindu (UPPPKWH) has been established at the office of Datuk Seri Mah Siew Keong, the Minister in the Prime Minister Department to manage the Microcredit Scheme


  • Malaysian ( not bankrupt ) aged between 18 to 60;
  • Has registered as a hawker or small business at Suruhanjaya Syarikat Malaysia (SSM) and local authority in Peninsular Malaysia and only at local authority for those from Sabah and Sarawak;
  • Recommended by registered hawker and small business associations or business associations.

Value, Conditions & Repayment of Loans:

  • Loans of RM5,000-RM20,000 at annual interest of 4%;
  • Repayment period of 2 to 5 years (24 months to 60 months);
  • A guarantor who is a Malaysian ( not bankrupt ) aged 18 – 60 years old with minimum monthly income of RM1,500;
  • Repayment of loans has to be made via banks appointed by YPPKM.
Total Loan
Administration Charge (RM) Repayment Duration
Monthly Repayment
5,000 120 24 225.00
10,000 240 36 315.00
15,000 360 48 365.00
20,000 480 60 400.00


Application & Enquiries:

Obtain further information and application forms via http://yppkm.org/my/ or via business associations. Completed application forms can be posted to YPPKM or handed to authorised representatives of YPPKM. Successful applicants are required to sign an agreement with YPPKM. Payment of loans will be via banks appointed by YPPKM.

Yayasan Penjaja dan Peniaga Kecil 1Malaysia (YPPKM),
No. 3-14, Jalan Puteri 4/8,
Bandar Puteri,
47100 Puchong,
Tel:      +603 – 8051 2385 / 8066 8954
Fax:     +603 – 8051 8954
Email:  enquiry@yppkm.org


Written by:
Ms Wee Hui Bieh, AFMSA, July 2017

Information Source:
Yayasan Penjaja dan Peniaga Kecil 1Malaysia (YPPKM).

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