Finance Minister II Datuk Seri Amir Hamzah Azizan highlighted the importance of reliable credit data for improving financing access to micro, small, and medium enterprises (MSMEs) during CTOS SME Biz Day 2026 on June 9, 2026 [1, 2]. He said reliable and accessible credit data reduces information gaps and enables more efficient credit allocation for MSMEs [1, 2].
Better credit data allows lenders to assess risk profiles of MSMEs more accurately. This helps well-performing MSMEs secure financing on more favorable terms, supporting sustainable growth [1, 2]. The minister emphasized that "financial inclusion, therefore, is not simply about expanding access. It is about ensuring that access is sustainable, data-driven and aligned with sound risk management practices and principles" [1].
The government’s policy aims for long-term support of MSMEs, aligned with broader development priorities rather than short-term economic cycles [1, 2]. It focuses on three key areas: expanding financial access through facilities and guarantees; driving productivity and competitiveness via digital adoption and capability development; and strengthening fiscal and regulatory systems for efficiency, transparency, and sustainability [1, 2].
Successful implementation requires an ecosystem comprising financial institutions, credit infrastructure providers, technology firms, and advisory networks working together to serve MSMEs effectively [1, 2].
CTOS SME Biz Day 2026 serves as a key engagement platform. The day-long event gathers MSMEs, entrepreneurs, policymakers, financial institutions, and industry leaders to address challenges and opportunities facing Malaysia’s MSME sector. It features a main conference, exhibitions, networking sessions, and a Funding Pavilion connecting MSMEs with financiers and advisory providers [1, 2].
The next steps include continuing such engagement platforms to ensure policies reflect MSME realities and stakeholder feedback, maintaining focus on sustainable credit access and risk management principles [1, 2].
