BNM Agrofood Facility (AF) BNM Agrofood Facility (AF) is a financing scheme established by BNM to increase the agrofood production for Malaysia and for export purposes through the provision of financing at affordable rates.
The financing facility is calculated based on a fixed rate basis and guaranteed by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP)

Note: The financing shall not be used for the following actitivies:
• Purchase of shares;
• Refinancing of existing credit / financing facilities;
• Purchase of land / real estate investment;
• Property development;
• Investment by investment holding companies;
• Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses);
• Gambling, alcohol, tobacco or other similar activities / products; and
• Non-shariah compliant activities (applies to Islamic financing only