Dana Kelestarian Alam (DKA)

Dana Kelestarian Alam (DKA)

Supports Malaysian enterprises through DKA with green financing for low carbon and sustainable operations.

Dana Kelestarian Alam (DKA — Environmental Sustainability Fund) is a green Islamic financing programme operated by Small Medium Enterprise Development Bank Malaysia Berhad (SME Bank), a federal development bank wholly owned by the Minister of Finance Inc. The programme provides Shariah-compliant financing to Malaysian micro, small, and medium enterprises (MSMEs) seeking to transition their operations toward low-carbon and environmentally sustainable practices. Eligible activities include acquisition of green technology assets, energy-efficiency upgrades, and sustainable production equipment.

Financing is available from RM 100,000 to RM 5,000,000 per applicant. DKA is a financial instrument — an Islamic green loan — not a non-repayable cash grant. The programme is listed as an Environmental Sustainability line item under SME Bank's portfolio in Malaysia's Budget 2025/2026 briefs and sits alongside other thematic SME Bank windows such as HalalBiz and MySMELady. Applications are submitted online through the SME Bank Apply Now portal, and a digital product brochure is available on the SME Bank website.

Companies looking to access DKA should be for-profit Malaysian MSMEs registered and operating in Malaysia. The financing covers asset acquisition and working capital required for the green transition. SME Bank evaluates applications on a case-by-case basis, with approval and disbursement governed by standard development-bank credit criteria. Successful applicants benefit from a subsidised or preferential profit rate under the Islamic financing structure, making the cost of capital lower than conventional commercial loans for qualifying sustainability projects.