{"id":31967,"date":"2025-12-31T11:18:21","date_gmt":"2025-12-31T03:18:21","guid":{"rendered":"https:\/\/www.punb.com.my\/?page_id=31967"},"modified":"2026-04-17T10:41:08","modified_gmt":"2026-04-17T02:41:08","slug":"prosper-impact-nova","status":"publish","type":"page","link":"https:\/\/www.punb.com.my\/ms\/prosper-impact-nova\/","title":{"rendered":"PROSPER IMPACT"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"31967\" class=\"elementor elementor-31967\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-960bfa9 e-con-full e-flex e-con e-parent\" data-id=\"960bfa9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5d95098 e-flex e-con-boxed e-con e-child\" data-id=\"5d95098\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9abbcea e-con-full e-flex e-con e-child\" data-id=\"9abbcea\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e965e9 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8e965e9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Pembiayaan Perniagaan<\/h6>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4604b2a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4604b2a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:150}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">PROSPER IMPACT\/NOVA<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-788b976 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"788b976\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Terokai pilihan pembiayaan yang disesuaikan untuk pemohon baharu memulakan atau mengembangkan perniagaan mereka dengan PUNB. Ketahui tentang kelayakan, syarat permohonan dan bagaimana PUNB menyokong usahawan dalam mencapai matlamat mereka.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a71d8a e-flex e-con-boxed e-con e-child\" data-id=\"6a71d8a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9cbdeb1 e-con-full e-flex e-con e-child\" data-id=\"9cbdeb1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7165470 elementor-widget__width-auto elementor-view-default elementor-invisible elementor-widget elementor-widget-icon\" data-id=\"7165470\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:800}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"#scroll-more\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"19\" height=\"55\" viewbox=\"0 0 19 55\" fill=\"none\"><path d=\"M9.5 0.904297V54.4043\" stroke=\"white\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M0.5 45.4043L9.5 54.4043L18.5 45.4043\" stroke=\"white\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b51fe8b elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"b51fe8b\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:900}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">SKROL UNTUK MAKLUMAT LANJUT<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1ed6672 e-flex e-con-boxed e-con e-parent\" data-id=\"1ed6672\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b80a02a e-con-full e-flex e-con e-child\" data-id=\"b80a02a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4ca1ef3 e-con-full e-flex e-con e-child\" data-id=\"4ca1ef3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bee25f logo-with-bg elementor-widget elementor-widget-image\" data-id=\"0bee25f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2063\" height=\"1530\" src=\"https:\/\/www.punb.com.my\/wp-content\/uploads\/2026\/01\/LOGO-PROSPER-IMPACTNOVA.png\" class=\"attachment-full size-full wp-image-32495\" alt=\"\" srcset=\"https:\/\/www.punb.com.my\/wp-content\/uploads\/2026\/01\/LOGO-PROSPER-IMPACTNOVA.png 2063w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2026\/01\/LOGO-PROSPER-IMPACTNOVA-300x222.png 300w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2026\/01\/LOGO-PROSPER-IMPACTNOVA-1024x759.png 1024w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2026\/01\/LOGO-PROSPER-IMPACTNOVA-768x570.png 768w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2026\/01\/LOGO-PROSPER-IMPACTNOVA-1536x1139.png 1536w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2026\/01\/LOGO-PROSPER-IMPACTNOVA-2048x1519.png 2048w, https:\/\/www.punb.com.my\/wp-content\/uploads\/2026\/01\/LOGO-PROSPER-IMPACTNOVA-16x12.png 16w\" sizes=\"(max-width: 2063px) 100vw, 2063px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28e07cd e-con-full e-flex e-con e-child\" data-id=\"28e07cd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea5d4b9 elementor-widget elementor-widget-heading\" data-id=\"ea5d4b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">PROSPER IMPACT\/NOVA<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae1b90a elementor-widget elementor-widget-heading\" data-id=\"ae1b90a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><b>PROSPER IMPACT<\/b><\/br>\nMenawarkan pakej pembiayaan perniagaan kepada syarikat melaksanakan projek atau kontrak yang diperoleh daripada organisasi bereputasi.<\/br><\/br>\n<b>PROSPER IMPACT (e-PEROLEHAN)<\/b><\/br>\nMenawarkan pakej pembiayaan kepada syarikat bagi melaksanakan projek dan kontrak yang diperoleh daripada Kerajaan, dengan bayaran melalui sistem e-Perolehan dan disalurkan terus kepada PUNB.<\/br><\/br>\n<b>PROSPER NOVA<\/b><\/br>\nMenawarkan pakej pembiayaan bagi pelaksanaan projek atau kontrak yang diperoleh daripada Rakan Strategik PUNB dengan bayaran disalurkan terus kepada PUNB.<\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f30d6b custom-icon-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"4f30d6b\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8300\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-8300\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Jumlah Pembiayaan <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8300\" class=\"elementor-element elementor-element-813fd2f e-con-full e-flex e-con e-child\" data-id=\"813fd2f\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8300\" class=\"elementor-element elementor-element-f572418 e-flex e-con-boxed e-con e-child\" data-id=\"f572418\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e913c53 elementor-widget elementor-widget-text-editor\" data-id=\"e913c53\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pembiayaan ditawarkan kepada:&nbsp;<\/span><\/p>\n<p><b>Milikan Tunggal \/ Perkongsian \/ Perkongsian Liabiliti Terhad (LLP)<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pembiayaan dari RM100,000 sehingga maksimum RM1,000,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pembiayaan melebihi RM1,000,000 hendaklah dinaik taraf kepada Syarikat Sendirian Berhad (Sdn Bhd)<\/span><\/li>\n<\/ul>\n<p><br><b>Syarikat Sendirian Berhad (Sdn Bhd)<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pembiayaan sehingga had maksimum bagi setiap program:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IMPACT sehingga RM5,000,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IMPACT e-Perolehan sehingga RM20,000,000&nbsp;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NOVA sehingga RM20,000,000<\/span><\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8301\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8301\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Tempoh Pembiayaan <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8301\" class=\"elementor-element elementor-element-f57f20a e-con-full e-flex e-con e-child\" data-id=\"f57f20a\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8301\" class=\"elementor-element elementor-element-90ef543 e-flex e-con-boxed e-con e-child\" data-id=\"90ef543\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f73c45 elementor-widget elementor-widget-text-editor\" data-id=\"4f73c45\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Sehingga 5 tahun<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8302\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8302\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Kadar Keuntungan <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8302\" class=\"elementor-element elementor-element-bb8a38c e-con-full e-flex e-con e-child\" data-id=\"bb8a38c\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8302\" class=\"elementor-element elementor-element-4903b77 e-flex e-con-boxed e-con e-child\" data-id=\"4903b77\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cfacf9 elementor-widget elementor-widget-text-editor\" data-id=\"3cfacf9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sehingga <\/span><span style=\"font-weight: 400;\">6.75% setahun<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">(tertakluk kepada tujuan pembiayaan)<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8303\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8303\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Kelayakan Permohonan <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8303\" class=\"elementor-element elementor-element-7119560 e-con-full e-flex e-con e-child\" data-id=\"7119560\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8303\" class=\"elementor-element elementor-element-34b2e6f e-flex e-con-boxed e-con e-child\" data-id=\"34b2e6f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-800c0b8 elementor-widget elementor-widget-text-editor\" data-id=\"800c0b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>Pemilikan Bumiputera<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Perniagaan Milikan Tunggal, Perkongsian Dan Perkongsian Liabiliti Terhad (LLP) hendaklah dimiliki sepenuhnya (100%) oleh individu Bumiputera.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bagi Syarikat Sendirian Berhad (Sdn Bhd) hendaklah mempunyai sekurang-kurangnya 51% pegangan oleh Bumiputera, selaras dengan Dasar Bumiputera yang ditetapkan.<\/span><\/li><\/ul><p><br \/><b>Operasi<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Perniagaan\/syarikat mestilah telah beroperasi sekurang-kurangnya 24 bulan.<\/span><\/li><\/ul><p><br \/><b>Pendapatan Tahunan<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mencatatkan jualan minimum sebanyak RM500,000 bagi tempoh 12 bulan.<\/span><\/li><\/ul><p><br \/><b>Pematuhan Syariah<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aktiviti perniagaan hendaklah mematuhi prinsip Syariah.<\/span><\/li><\/ul><p><br \/><b>Projek atau Kontrak<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Daripada organisasi bereputasi, sistem e-Perolehan Kerajaan atau Rakan Strategik dengan pembayaran terjamin dan disalurkan terus kepada PUNB.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8304\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8304\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Skop Pembiayaan <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8304\" class=\"elementor-element elementor-element-489a77f e-con-full e-flex e-con e-child\" data-id=\"489a77f\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8304\" class=\"elementor-element elementor-element-4c99850 e-flex e-con-boxed e-con e-child\" data-id=\"4c99850\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ab4e53 elementor-widget elementor-widget-text-editor\" data-id=\"9ab4e53\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Modal Kerja Am <\/span><i><span style=\"font-weight: 400;\">(aktiviti berkaitan bekalan dan pelaksanaan projek atau kontrak)<\/span><\/i><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kos Berkaitan Pembiayaan<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8305\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8305\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Margin Pembiayaan <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8305\" class=\"elementor-element elementor-element-d2889e0 e-flex e-con-boxed e-con e-child\" data-id=\"d2889e0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8305\" class=\"elementor-element elementor-element-6cf5387 e-con-full e-flex e-con e-child\" data-id=\"6cf5387\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-694a425 elementor-widget elementor-widget-text-editor\" data-id=\"694a425\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sehingga 90% daripada nilai setiap projek atau kontrak yang diterima oleh PUNB.\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-8306\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-8306\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cara Memohon <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 5.35889L5 0.983887L0.625 5.35889\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10\" height=\"6\" viewbox=\"0 0 10 6\" fill=\"none\"><path d=\"M9.375 0.858887L5 5.23389L0.625 0.858887\" stroke=\"#343330\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8306\" class=\"elementor-element elementor-element-8b593d1 e-con-full e-flex e-con e-child\" data-id=\"8b593d1\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-8306\" class=\"elementor-element elementor-element-c43b7e4 e-flex e-con-boxed e-con e-child\" data-id=\"c43b7e4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e264aa pink-link elementor-widget elementor-widget-text-editor\" data-id=\"1e264aa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Permohonan pembiayaan melalui\u00a0<a href=\"https:\/\/entreportal.punb.com.my\/\" target=\"_blank\" rel=\"noopener\">PUNB Online<\/a>.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52f4771 elementor-widget elementor-widget-spacer\" data-id=\"52f4771\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4566a61 e-con-full e-flex e-con e-child\" data-id=\"4566a61\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfc9eb9 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"dfc9eb9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/2026\/04\/PROSPER-IMPACTNOVA-V1.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"arrow-up-right-svg\" width=\"18\" height=\"18\" viewbox=\"0 0 18 18\" fill=\"none\"><path d=\"M1 17L17 1\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4 1H17V14\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Muat Turun Risalah<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d7aaf5 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"9d7aaf5\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/2026\/04\/2026-PDS-PROSPER-IMPACTNOVA-BI.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"arrow-up-right-svg\" width=\"18\" height=\"18\" viewbox=\"0 0 18 18\" fill=\"none\"><path d=\"M1 17L17 1\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4 1H17V14\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Lembaran Pernyataan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c0d89e elementor-align-left elementor-widget elementor-widget-button\" data-id=\"6c0d89e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/wp-content\/uploads\/2026\/04\/2026-FAQ-PROSPER-IMPACTNOVA-BI.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"arrow-up-right-svg\" width=\"18\" height=\"18\" viewbox=\"0 0 18 18\" fill=\"none\"><path d=\"M1 17L17 1\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M4 1H17V14\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Soalan Lazim<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Business Financing PROSPER IMPACT\/NOVA Explore financing options tailored for new applicants to kickstart or expand their business with PUNB. Learn about eligibility, application requirements, and how PUNB supports entrepreneurs in achieving their goals. SCROLL FOR MORE PROSPER IMPACT\/NOVA PROSPER IMPACT To provide financial assistance to companies for executing projects and contracts awarded by reputable organization. [&hellip;]<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-31967","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/pages\/31967","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/comments?post=31967"}],"version-history":[{"count":5,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/pages\/31967\/revisions"}],"predecessor-version":[{"id":34566,"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/pages\/31967\/revisions\/34566"}],"wp:attachment":[{"href":"https:\/\/www.punb.com.my\/ms\/wp-json\/wp\/v2\/media?parent=31967"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}