Government & State Initiatives
Design targeted MSME financing programmes aligned to national or state priorities—delivered through a P2P financing platform regulated by the Securities Commission Malaysia with clear governance, transparent reporting, and measurable outcomes.
Programme terms, eligibility, and affordability mechanisms are configured per initiative and subject to underwriting and agreed governance.
Built For Public Programmes: Targeting, Affordability, Accountability
Configure who is eligible, how affordability is delivered, and how outcomes are tracked—without building a new scheme from scratch.
Targeted Eligibility
(segment, sector, geography)
Flexible Funding Models
(institution-funded, co-funded, or blended)
Affordability Levers
(subsidy, guarantee, pricing bands)
Governance & Controls
(rulebook + reporting criteria)
Outcome Reporting
(deployment, performance, impact KPIs)
Choose a funding model that fits your mandate
Initiatives can be structured in one or more of the following ways:
Institution-Funded Programme
(Single Funder)
Your institution provides the full capital. microLEAP handles origination, underwriting, servicing, and reporting.
Co-Funded Programme
(Institution + Marketplace Investors)
Blend institutional capital with platform investor participation to scale deployment and share risk.
Subsidy / Guarantee-Supported Programme
(Affordability-Led)
Layer in interest subsidies, first-loss guarantees, or pricing caps to make financing more accessible for target segments.
Policy-Configured Programme
(Custom Design)
Define custom eligibility rules, concentration limits, tenor bands, and KPI targets tailored to your policy mandate.
Funding models can be combined. For example, an institution may provide anchor capital with marketplace co-funding, layered with a state-level interest subsidy.
What you can configure
Target Segments
Sector, geography, demographics, inclusion criteria
Eligibility & Documentation
Required documents, onboarding checks, exclusion rules
Pricing Approach
Market-based vs affordability-led pricing bands
Risk Parameters
Limits per MSME, concentration controls, tenors, risk grading approach
Affordability Levers
Subsidies, guarantees, fee waivers (where applicable)
Mobilisation Channels
Agencies, ecosystem partners, BDS/associations, anchor corporates
Governance & Approvals
Decision rights, exceptions process, reporting cadence
Shariah Option
Structure initiatives for Shariah-compliant mandates where required
Governance & Controls (Public-Sector Ready)
Public programmes require clarity on decision rights and oversight. Each initiative can be set up with:
Programme Rulebook
Eligibility rules, caps, concentration limits, exceptions policy
Approval Workflow
Who approves what, and under what criteria
Audit Trail
Documented decisioning and exceptions governance
Monitoring Triggers
Arrears thresholds, concentration flags, escalation procedures
Data Handling
Privacy and data controls appropriate for financial services. Subject to PDPA & SC Regulatory Requirements.
Governance structure and reporting cadence are agreed upfront during programme design.
What These Programmes Are?
Tailored financing programmes designed to support national or state development priorities. The programme owner defines objectives and eligibility—commonly including segments such as youth entrepreneurs, women-led businesses, B40, rural MSMEs, agriculture, and green activities.
Youth
Women
B40
Rural
Agriculture
Green
Common use cases
State SME uplift programmes targeting specific districts or sectors
Youth entrepreneurship initiatives with structured onboarding and milestones
Women-led MSME programmes with subsidised rates, pricing support, or guarantees and outcome tracking
Rural financing initiatives partnered with local ecosystem enablers
Agriculture and food security programmes with seasonal cashflow considerations
Green transition programmes for SMEs adopting sustainable practices (where applicable)
Post-disaster recovery programmes with faster deployment and monitored repayment
Catalytic blended programmes to crowd-in private capital under a governed framework
Use cases can be institution-funded, co-funded, or subsidy/guarantee-supported depending on mandate.
Why Agencies Choose This Model
Faster rollout without building a new scheme
Launch and scale initiatives using an established platform and operating processes.
Clear Governance and Auditability
Defined programme rules, exception handling, and reporting criteria to support transparency and oversight.
Targeted Delivery, Not Generic Disbursement
Eligibility rules, caps, and concentration controls can be designed to match your policy intent.
Measured Outcomes
Track deployment, performance, and programme KPIs with structured reporting packs.
Affordability Options
Initiatives can be structured to prioritise access and affordability—while maintaining underwriting discipline.
Social Outcomes
Improved access to capital
Gender empowerment
Rural upliftment
Green & sustainable impact
Supports SDGs (1, 5, 8, 9, 10)
SDG+
Inclusive
Development
How It Works
Structured process from consultation to impact reporting
Consultation & Objectives
Align policy goals, target segments, constraints, KPIs
Programme Design
Define eligibility, affordability levers, governance and reporting templates
Pipeline Mobilisation
Activate channels via agencies, partners, and ecosystems
Deployment
Launch initiative and begin structured disbursements
Monitoring
Track utilisation, performance, arrears/default (definitions agreed), concentration
Outcome Reporting
Deliver periodic reporting aligned to programme KPIs and stakeholder needs
Existing partnerships & ecosystem
We collaborate with a range of institutions, agencies, and ecosystem partners across programme delivery, distribution, and market development. View examples of our partnerships and collaborations.
View PartnershipsPartnerships shown are examples and may vary by programme and period.
Explore Other Partnership Models
Discover other ways institutions partner with microLEAP to deploy capital and support MSMEs.
Co-Funding Programmes
Blend institutional capital with retail investor participation to scale MSME funding while sharing exposure.
Learn more
Institutional/Corporate Funding Partnership
Deploy institutional or corporate funds via microLEAP's regulated structure with agreed underwriting and reporting.
Learn more
Vendor & Supply Chain Financing
Finance suppliers upfront against your procurement cycles—improve supplier cash flow while optimising your payment terms.
Learn more
Customisable Financing Programme (CFP)
For mandates that don't fit a standard model — design a bespoke programme with custom eligibility, governance, pricing mechanics, and reporting built around your brief.
Learn moreReady to design an initiative?
Share your target segment and objectives. We will propose a programme structure (funding model, eligibility, affordability levers, governance, and reporting pack) aligned to your mandate.
What we need
- 1
Target segment(s) and geography
- 2
Indicative programme size and timeline
- 3
Affordability intent (market-based vs subsidy/guarantee-supported)
- 4
Required KPIs and reporting criteria