Produk & Perkhidmatan

Rangkaian lengkap produk kewangan Islam untuk individu, petani, dan usahawan.

Deposit (12) Consumer Financing (4) Business Financing (18) Government Program (5) Wealth Product (5)

Deposit

12 produk

DEP-FAR Wadiah

Agro Farah-i Savings Account

Shariah-compliant savings account exclusively for individual women, operating on Tawarruq concept. Unique monthly bonus feature rewards family savings...

RM20
Minimum
Monthly bonus incentive of 50% from profits credit...
Sektor: Consumer Mohon
DEP-PRD Wadiah

Mega Million

Akaun Simpanan Mega Million adalah akaun simpanan premium yang menawarkan potensi pulangan Hibah yang lebih tinggi berbanding akaun simpanan biasa. Be...

Konsep Syariah: Wadiah Yad Dhamanah
Potensi Hibah lebih tinggi daripada Agro Farah-i
Kemudahan ATM/Debit Visa
Sektor: Consumer Mohon
DEP-PRDP Wadiah

Mega Combo

Shariah-compliant Giro Account for non-individual entities (businesses, government agencies, cooperatives, societies) based on Tawarruq concept. Provi...

RM100
Minimum
Monthly profit credited per EPR; AGRONetBIZ Intern...
Sektor: Consumer Mohon
DEP-BSA Wadiah

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...

RM1
Minimum
• Deposit awal minimum RM1
• Tiada caj bulanan
• Dilindungi PIDM
Sektor: Consumer Mohon
DEP-TNI Wadiah

AgroTani-i

A Shariah-compliant savings account based on Qard (lending) contract, tailored for individuals and non-individuals (societies/associations/clubs) addr...

RM20
Minimum
Multi-channel access (branches, ATMs, Agent Bankin...
Sektor: Agriculture Mohon
DEP-TNIP Wadiah

AgroTani-i PLUS

A Shariah-compliant savings account for individuals operating under Tawarruq concept involving commodity-based transactions. Monthly profit credited p...

RM20
Minimum
Monthly profit credited per Effective Profit Rate;...
Sektor: Agriculture Mohon
DEP-MDA Wadiah

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...

RM5
Minimum
Savings passbook issued; Multiple banking channels...
Sektor: Consumer Mohon
DEP-MDAP Wadiah

AgroMuda-i PLUS

Shariah-compliant savings account for children using Tawarruq concept, with profit credited monthly per effective profit rate. Supports Trust, Minor,...

RM5
Minimum
Cashless transactions with Agro Debit Card-i (12+)...
Sektor: Consumer Mohon
DEP-PMS Wadiah

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...

0.25%
Kadar Keuntungan
Fixed 12-month tenure; Profit paid at maturity; Sa...
Sektor: Consumer Mohon
CON-MGA Tawarruq

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...

1.40%
Kadar Keuntungan
Up to 1.4% annual rewards; No financial risk; Mont...
Sektor: Consumer Mohon
DEP-KRB Wadiah

Akaun Simpanan AGROKorban-i

Akaun simpanan patuh Shariah yang direka untuk membantu pelanggan menyimpan secara berdisiplin bagi tujuan ibadah korban. Simpanan berkala sepanjang t...

Simpanan patuh Shariah untuk tujuan korban; Deposi...
Mohon
DEP-PJS Wadiah

Agro Penjaja-i (Agro Saudagar)

Akaun simpanan khas untuk penjaja dan peniaga kecil di bawah program Agro Saudagar.

RM20
Minimum
Multi-channel access (branches, ATMs, Agent Bankin...
Sektor: Agriculture Mohon

Business Financing

18 produk

BIZ-ACL Tawarruq

AGRO Cash Line-i

Overdraft facility designed to finance agriculture-based businesses, structured according to Tawarruq principles. Flexible working capital access with...

RM5,000,000
Maksimum
RM10,000
Minimum
Tawarruq-based overdraft; Daily balance profit cal...
Sektor: Sme Mohon
BIZ-CF Tawarruq

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...

Tawarruq-based contract financing; FAQ and PDS v01...
Sektor: Sme Mohon
BIZ-IHP Ijarah

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...

RM5,000
Minimum
AITAB (Wakalah + Ijarah + Al-Bai' contracts); Tenu...
Sektor: Agriculture Mohon
BIZ-KM Tawarruq

AGRO Kredit Mikro

Uncollateralised micro financing for business purposes structured on Tawarruq transactions. Provides credit facilities to micro entrepreneurs for agri...

15.00%
Kadar Keuntungan
RM150,000
Maksimum
No collateral required; Up to 100% of total projec...
Sektor: Micro Mohon
BIZ-MAE Ijarah

MAEF-i (Machinery & Equipment)

MAEF-i (Machinery & Equipment Financing) menyediakan pembiayaan untuk pembelian jentera dan peralatan di bawah konsep Ijarah. Direka untuk membantu us...

Konsep Syariah: Ijarah
Pembiayaan jentera & peralatan moden
Sewa beli dengan opsyen pemilikan
Sektor: Agriculture Mohon
BIZ-MK Tawarruq

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...

7.85%
Kadar Keuntungan
Three financing types: Purchase Financing, Sale Fi...
Sektor: Sme Mohon
BIZ-SAW Tawarruq

AGRO Pembiayaan Kelapa Sawit

Business financing facility designed specifically for palm oil plantation development including establishment, maintenance, and replanting activities.

4.00%
Kadar Keuntungan
RM500,000
Maksimum
Palm oil-specific financing; Related products: AGR...
Sektor: Agriculture Mohon
BIZ-PDI Tawarruq

AGRO Pembiayaan Padi

Collateral-free paddy financing supporting working capital for rice farming. Four financing scopes covering BERNAS, PPK, KPK suppliers, and independen...

3.50%
Kadar Keuntungan
RM250,000
Maksimum
4 categories: BERNAS Paddy-i; PPK Paddy-i; KPK Pad...
Sektor: Agriculture Mohon
BIZ-PJI Tawarruq

AGRO Penjaja-i

AGRO Penjaja-i (including Penjaja Cashline-i variant) - business financing program supporting hawkers and micro entrepreneurs in Malaysia. Part of Cre...

5.00%
Kadar Keuntungan
RM50,000
Maksimum
Business/working capital financing for hawkers; Pr...
Sektor: Micro Mohon
BIZ-TF Tawarruq

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...

Purchasing assets/goods/services; Redeeming assets...
Sektor: Sme Mohon
BF-KKR Tawarruq

Kempen Kunci Ke Rumah Impian Anda

Kempen pembiayaan khas bagi membantu pelanggan memiliki rumah impian. Sertai kempen sepanjang tempoh promosi.

Kempen pembiayaan perumahan; Tempoh promosi terhad...
Mohon
BF-SUT Tawarruq

Skim Usahawan Tani Agrobank x FAMA

Skim pembiayaan usahawan tani hasil kerjasama Agrobank dan FAMA untuk memperkasa usahawan pertanian tempatan.

Kerjasama Agrobank x FAMA; Untuk usahawan tani; So...
Mohon
BF-SRF Tawarruq

Kemudahan Bantuan Penstabilan PKS (SME SRF)

Kemudahan pembiayaan bagi membantu penstabilan perniagaan Perusahaan Kecil dan Sederhana (PKS).

Khusus untuk PKS; Bantuan penstabilan perniagaan;...
Mohon
BF-GIG Tawarruq

Kempen AGRO GIG

Kempen pembiayaan untuk komuniti ekonomi gig — akses pembiayaan mudah untuk penggiat ekonomi gig.

Untuk penggiat ekonomi gig; Proses permohonan muda...
Mohon
BF-SNR Tawarruq

Kempen AGRO i-Sinar

Kempen pembiayaan AGRO i-Sinar untuk menyokong keperluan modal usahawan dan perniagaan tempatan.

Kempen pembiayaan perniagaan; Tempoh promosi terha...
Mohon
BF-MRP Tawarruq

Program Microenterprise Special Relief (MRP 2.0)

Program bantuan khas untuk perusahaan mikro — sokongan pembiayaan bagi meneruskan dan memulihkan perniagaan.

Khusus perusahaan mikro; Bantuan khas pemulihan pe...
Mohon
BF-TSM Tawarruq

Program Skim Insentif Pembiayaan Tanam Semula

Skim insentif pembiayaan untuk aktiviti tanam semula pekebun kecil — menyokong kesinambungan hasil pertanian.

Untuk pekebun kecil; Insentif tanam semula; Sokong...
Mohon
BF-HSM Tawarruq

Halal SME MAHA Promo Rate 2026

Program istimewa MAHA 2026 — kadar promosi khas untuk PKS dalam industri halal. Program baharu khas sempena MAHA 2026.

Program khas MAHA 2026; Untuk PKS industri halal;...
Mohon

Government Program

5 produk

GOV-CKN Tawarruq Program Kerajaan

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...

RM1,500,000
Maksimum
CAKNA I: post-financing, up to 80% invoice margin....
Sektor: Agriculture Mohon
GOV-PRM Kafalah Program Kerajaan

PROGRAM PRIMA (Gov Guarantee)

Government Guarantee Scheme for Pembiayaan Reformasi Ekonomi Madani (PRIMA) - financing for MSMEs targeting operating capital or fixed asset purchase...

3.75%
Kadar Keuntungan
RM5,000,000
Maksimum
No collateral required; Government guarantee up to...
Sektor: Sme Mohon
GOV-PIN Tawarruq Program Kerajaan

PROGRAM AGRO PINTAS

Cres program supporting agricultural micro/small entrepreneurs. Listed in Cres financing portfolio under PINTAS initiative. Refer to PDS for details.

Tawarruq-based; Agricultural/agro-based focus.
Sektor: Agriculture Mohon
GOV-RAF Tawarruq Program Kerajaan

PROGRAM RAFt (Relief & Adaptation)

Program RAFt (Relief and Adaptation Financing) membantu usahawan pertanian menyesuaikan diri dengan perubahan iklim dan mengurangkan kesan bencana ala...

Konsep Syariah: Tawarruq
Pembiayaan adaptasi perubahan iklim
Infrastruktur tahan bencana
Sektor: Agriculture Mohon
GOV-HAL Tawarruq Program Kerajaan

PACKAGE AGRO HALAL

Financing package designed to support SMEs in developing halal-certified businesses aligned with Malaysia Halal Certification (JAKIM) requirements. Tw...

RM5,000,000
Maksimum
RM1,000
Minimum
Raw materials halal-compliant financing; Kitchen/p...
Sektor: Sme Mohon
SITI
SITI
Pembantu Digital Cres