Products & Services
Complete range of Islamic financial products for individuals, farmers, and entrepreneurs.
Deposit
12 products
Agro Farah-i Savings Account
Shariah-compliant savings account exclusively for individual women, operating on Tawarruq concept. Unique monthly bonus feature rewards family savings...
Mega Million
Akaun Simpanan Mega Million adalah akaun simpanan premium yang menawarkan potensi pulangan Hibah yang lebih tinggi berbanding akaun simpanan biasa. Be...
Mega Combo
Shariah-compliant Giro Account for non-individual entities (businesses, government agencies, cooperatives, societies) based on Tawarruq concept. Provi...
Basic Savings Account-i (Agro BSA-i)
Agro BSA-i (Basic Savings Account-i) adalah akaun simpanan Islam asas dengan deposit awal minimum RM1. Patuh Syariah (Wadiah), dilindungi PIDM, dengan...
AgroTani-i
A Shariah-compliant savings account based on Qard (lending) contract, tailored for individuals and non-individuals (societies/associations/clubs) addr...
AgroTani-i PLUS
A Shariah-compliant savings account for individuals operating under Tawarruq concept involving commodity-based transactions. Monthly profit credited p...
AgroMuda-i
Islamic savings account designed for children from as young as 1 day old to inculcate saving habits. Uses Qard concept where bank guarantees repayment...
AgroMuda-i PLUS
Shariah-compliant savings account for children using Tawarruq concept, with profit credited monthly per effective profit rate. Supports Trust, Minor,...
AgroPrimaS
Specially designed Term Deposit-i Account based on existing Cres FRIA-i promoted under the Sahabat Agro Program. Tawarruq concept with fixed 12-month...
Mega Partners by Sahabat Agro
Marketing initiative by Cres promoting deposit products based on expertise, referral, and rewards through the Sahabat Agro program. Shariah-compliant...
Akaun Simpanan AGROKorban-i
Akaun simpanan patuh Shariah yang direka untuk membantu pelanggan menyimpan secara berdisiplin bagi tujuan ibadah korban. Simpanan berkala sepanjang t...
Agro Penjaja-i (Agro Saudagar)
Akaun simpanan khas untuk penjaja dan peniaga kecil di bawah program Agro Saudagar.
Consumer Financing
4 products
Hartani-i (Tawarruq)
Islamic financing facility designed for government servants, private sector employees (permanent and contract), and stable income earners to purchase...
AgroCash-i
AgroCash-i adalah pembiayaan peribadi Islam Cres di bawah konsep Tawarruq. Menyediakan wang tunai untuk pelbagai keperluan peribadi termasuk pengubahs...
Skim Istimewa Kakitangan Kerajaan
Special financing program offering a revolving cash line facility for eligible government employees under Ministry of Agriculture and Food Security (K...
Ar-Rahnu
Kemudahan pembiayaan Ar-Rahnu (pajak gadai Islam) yang direka khusus untuk penjaja dan peniaga kecil — akses tunai segera dengan sandaran barang kemas...
Business Financing
18 products
AGRO Cash Line-i
Overdraft facility designed to finance agriculture-based businesses, structured according to Tawarruq principles. Flexible working capital access with...
AGRO Contract Financing-i
Islamic business financing facility for contractors to fund working capital and contract fulfilment costs. Part of Cres's Business portfolio. Uses Taw...
AGRO Industrial Hire Purchase
A facility to finance the purchase of machinery, equipment or commercial vehicles used for production, processing and marketing of agriculture and/or...
AGRO Kredit Mikro
Uncollateralised micro financing for business purposes structured on Tawarruq transactions. Provides credit facilities to micro entrepreneurs for agri...
MAEF-i (Machinery & Equipment)
MAEF-i (Machinery & Equipment Financing) menyediakan pembiayaan untuk pembelian jentera dan peralatan di bawah konsep Ijarah. Direka untuk membantu us...
AGRO Modal Kerja-i
Modal Kerja-i is a short-term revolving credit facility providing financing for customers seeking working capital. Structured using Tawarruq transacti...
AGRO Pembiayaan Kelapa Sawit
Business financing facility designed specifically for palm oil plantation development including establishment, maintenance, and replanting activities.
AGRO Pembiayaan Padi
Collateral-free paddy financing supporting working capital for rice farming. Four financing scopes covering BERNAS, PPK, KPK suppliers, and independen...
AGRO Penjaja-i
AGRO Penjaja-i (including Penjaja Cashline-i variant) - business financing program supporting hawkers and micro entrepreneurs in Malaysia. Part of Cre...
AGRO Term Financing-i
Islamic financing facility provided to customers for carrying out activities or projects relevant to the agricultural sector. Based on Tawarruq transa...
Kempen Kunci Ke Rumah Impian Anda
Kempen pembiayaan khas bagi membantu pelanggan memiliki rumah impian. Sertai kempen sepanjang tempoh promosi.
Skim Usahawan Tani Agrobank x FAMA
Skim pembiayaan usahawan tani hasil kerjasama Agrobank dan FAMA untuk memperkasa usahawan pertanian tempatan.
Kemudahan Bantuan Penstabilan PKS (SME SRF)
Kemudahan pembiayaan bagi membantu penstabilan perniagaan Perusahaan Kecil dan Sederhana (PKS).
Kempen AGRO GIG
Kempen pembiayaan untuk komuniti ekonomi gig — akses pembiayaan mudah untuk penggiat ekonomi gig.
Kempen AGRO i-Sinar
Kempen pembiayaan AGRO i-Sinar untuk menyokong keperluan modal usahawan dan perniagaan tempatan.
Program Microenterprise Special Relief (MRP 2.0)
Program bantuan khas untuk perusahaan mikro — sokongan pembiayaan bagi meneruskan dan memulihkan perniagaan.
Program Skim Insentif Pembiayaan Tanam Semula
Skim insentif pembiayaan untuk aktiviti tanam semula pekebun kecil — menyokong kesinambungan hasil pertanian.
Halal SME MAHA Promo Rate 2026
Program istimewa MAHA 2026 — kadar promosi khas untuk PKS dalam industri halal. Program baharu khas sempena MAHA 2026.
Government Program
5 products
PROGRAM CAKNA Financing
Financing facility for micro, small, and medium contractors Grade G1-G4 awarded Federal Government contracts. Supports working capital and cash flow t...
PROGRAM PRIMA (Gov Guarantee)
Government Guarantee Scheme for Pembiayaan Reformasi Ekonomi Madani (PRIMA) - financing for MSMEs targeting operating capital or fixed asset purchase...
PROGRAM AGRO PINTAS
Cres program supporting agricultural micro/small entrepreneurs. Listed in Cres financing portfolio under PINTAS initiative. Refer to PDS for details.
PROGRAM RAFt (Relief & Adaptation)
Program RAFt (Relief and Adaptation Financing) membantu usahawan pertanian menyesuaikan diri dengan perubahan iklim dan mengurangkan kesan bencana ala...
PACKAGE AGRO HALAL
Financing package designed to support SMEs in developing halal-certified businesses aligned with Malaysia Halal Certification (JAKIM) requirements. Tw...
Wealth Product
5 products
Takaful Kasih Plus
24-hour personal accident protection plan offering benefits for death or permanent disability from accidents worldwide. Administered by Syarikat Takaf...
Agro Takaful Aspirasi
Family takaful endowment plan (pelan endowmen takaful keluarga) providing financial protection and savings growth. Administered by Syarikat Takaful Ma...
Agro Takaful Flexi
A wide coverage takaful plan against death, Total and Permanent Disability (TPD), Critical Illness (CI) and other unforeseen events, tailorable accord...
AGROGold Account-i
Islamic gold investment account allowing customers to purchase and hold gold via Shariah-compliant banking. Gold price movement tied to prevailing mar...
Penulisan Wasiat
Perkhidmatan penulisan wasiat (Will Writing) - MAHA 2026.
