Perbadanan Nasional Berhad - Pernas

What Perbadanan Nasional Berhad - Pernas does

Perbadanan Nasional Berhad (Pernas) is a Malaysian government-owned development agency, established in 1969 and headquartered in Kuala Lumpur, that is fully owned by the Minister of Finance (Incorporated). Its statutory mandate is to develop the franchise sector in Malaysia by providing financing, training, advisory, equity investment, and property leasing services to entrepreneurs, with particular emphasis on Bumiputera participation. The agency operates a headquarters plus five regional corridor offices across Malaysia, and maintains MS ISO 37001:2016 anti-bribery certification across its operations.

The agency's core product stack is organized around several named financing and support schemes targeting distinct customer segments: BYOB, SWEET (women), YOUNITY (youth), BIT (veterans), i-VIP, and conventional franchise financing with ticket sizes ranging from RM50,000 to RM2,000,000, distributed in partnership with Bank Rakyat, SME Bank, TEKUN, and KUSKOP. It complements financing with training, advisory, incubation, and the Xcelerator franchise accelerator program, supported by digital platforms including MyFex 2.0, iFrancais, and e-Integriti. The agency also convenes ecosystem events such as the Franchise International Malaysia (FIM) expo and the Anugerah Harta Intelek franchise awards, and holds equity positions in operating franchise brands through subsidiaries including Malaysia International Franchise Sdn Bhd, Gloria Jeans Malaysia, Abdul Samad Al Qurashi Malaysia, and 1901.

As a non-profit government-linked corporation, Perbadanan Nasional Berhad's economics combine federal budget allocations, interest income from its financing book, rental income from leased properties, equity returns from franchise brand subsidiaries, and fees from training, advisory, and event activities. Its go-to-market is both direct (via its six regional offices and digital portals) and partnership-driven (with government agencies, banks, and media partners including Media Prima and Astro Awani), positioning it as Malaysia's central franchise promotion and financing institution rather than a commercial competitor to private-sector lenders.

Name

Perbadanan Nasional Berhad - Pernas

Legal name

Perbadanan Nasional Berhad

Website

https://pernas.my

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

101–250 employees

Short description

Perbadanan Nasional Berhad (Pernas) is a Malaysian government-owned franchise development agency, established in 1969, that provides financing, training, advisory, equity investment, and incubation services to Bumiputera, youth, women, and veteran entrepreneurs across Malaysia.

Ownership category

akta.pro rank

Product category

Franchise Development Services

NAICS

Real Estate and Rental and Leasing (53), Management of Companies and Enterprises (5511)

SIC

Lessors Of Real Property, Nec (6519)

akta.pro primary industry

Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam) (FSABAGAH)

Keywords

• Franchise development services
• Shariah-compliant financing
• Entrepreneur training programs
• Franchise advisory services
• Government-linked financing

Headquarters

HQ city

Selangor

HQ country

Malaysia

HQ region

Asia

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Franchise Financing: Provides Islamic financing (Tawarruq concept) to pre-franchisors, master franchisees, franchisors, franchisees, licensors, and licensees. Financing amounts range from RM50,000 to RM2,000,000 for franchisor schemes, with profit rates of BFR + up to 5% and financing terms up to 10 years. BIT program offers up to RM500,000 at 7.5% fixed rate for pre-franchisors.
2. Professional Advisory Services: Xcelerator program provides franchise development advisory including business model identification, franchise package preparation, financial projections, and franchise documentation (Operations Manual, Training Manual, Franchise Agreement).
3. Franchise Institute Training: Training programs at Franchise Institute covering awareness, basic, intermediate and advanced franchise management levels, plus capacity training programs for entrepreneurs and franchisees.
4. Property Leasing: Rental of Pernas-owned premises to entrepreneurs seeking to start franchise businesses. Benefits include strategic locations, affordable rental rates, and flexible commitments.
5. Equity Investment: Provides equity investment opportunities to potential entrepreneurs seeking to grow with Pernas, offering access to investment capital, expertise, networks, strategic support, mentorship, and brand/share market access.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Perbadanan Nasional Berhad (Pernas) is Malaysia's national franchise development agency that delivers Shariah-compliant franchise financing (RM50,000 to RM2,000,000), franchise advisory and incubation services through the Xcelerator program, structured training via the Franchise Institute, property leasing at Pernas-owned premises, and equity investment to entrepreneurs. It also runs targeted programs (BYOB, YOUNITY, SWEET, i-VIP, BIT) for Bumiputera, youth, women, veterans, and MSMEs seeking to enter franchise, pre-franchise, or licensing businesses.

Product overview

Perbadanan Nasional Berhad (Pernas) is Malaysia's national franchise development agency operating under the Ministry of Finance (Incorporated). The organization offers a comprehensive ecosystem of franchise development services structured around four core pillars: (1) Franchise Financing providing various financing schemes for franchisors, master franchisees, franchisees, licensors, and licensees including the BIT (Business in Transformation) program and Musa'adah Revolving Credit; (2) Franchise Development including the Xcelerator program for business franchising and the BYOB initiative with YOUNITY (youth) and SWEET (women) sub-programs; (3) Franchise Institute providing professional training programs; and (4) Property Leasing and Equity Investment for strategic business support. Additional offerings include the i-VIP program for veteran entrepreneurs and SME financing schemes. The portfolio functions as a platform-plus-modules architecture, with core financing and development services supplemented by specialized programs targeting specific demographics and business stages.

Differentiator

Problem solved

Functional benefit

Brands

• Franchise Institute (FI): Training institute owned by Pernas offering franchise training programs for entrepreneurs and franchise community members
• BYOB (Be Your Own Boss)
• SWEET (Successful Women Entrepreneurship Engagement Talent)
• YOUNITY (Young Entrepreneurship Engagement Talent)
• BIT (Business in Transformation)
• Xcelerator
• i-VIP (Veteran &preneur Initiative & Program)

Products and services

• Franchise Financing (Skim Pembiayaan Francais) Comprehensive franchise financing scheme providing financial assistance to franchisors, master franchisees, franchisees, licensors, and licensees. Includes Pre-Franchisor and Master Franchisee Scheme, Franchisor Financing Scheme (RM50,000 to RM2,000,000), Franchisee Financing Scheme, Licensor financing, and Musa'adah Revolving Credit. Shariah-compliant Islamic financing (Tawarruq concept) with BFR + up to 5% profit rates and up to 10-year terms. Target customers: pre-franchisors, master franchisees, franchisors, franchisees, licensors, and licensees.
• Business in Transformation (BIT) Program A program designed to empower Micro, Small and Medium Enterprises (MSMEs) to become more competitive and systematic in managing and running their business towards franchising. Includes BIT Pre-Franchisor financing up to RM500,000 (7.5% fixed rate, up to 90% financing margin, up to 5 years term) and BIT Pre-Franchisee financing up to RM50,000. Target customers: MSMEs and pre-franchisees.
• Xcelerator (Franchise Development Programme) A franchise development program that guides and develops potential businesses to be registered as franchise businesses. Includes advisory services, mentoring, business packaging, financial projections, franchise documentation (Operations Manual, Training Manual, Franchise Agreement), and MyFex 2.0 registration support. Target customers: existing businesses seeking to franchise their operations.
• Be Your Own Boss (BYOB) Initiative A franchise, pre-franchise, and licensing business opportunity initiative targeting youth and women, implemented in cooperation with the Ministry of Entrepreneur Development and Cooperatives (KUSKOP). Encompasses the YOUNITY (youth) and SWEET (women) sub-programs. Target customers: aspiring youth and women entrepreneurs (Bumiputera).
• YOUNITY (Young Entrepreneurship Engagement Talent) A special program for Bumiputera youth aged 21-40 to venture into franchise, pre-franchise, or licensing entrepreneurship. Includes business matching, financing assistance (up to RM500,000 for Sdn Bhd companies, up to RM250,000 for Sole Proprietorship/Partnership/LLP; 9% per annum on reducing balance; up to 80% of project cost), structured training, and 6-month post-launch mentoring. Requires 60% majority Bumiputera shareholding. Target customers: Bumiputera youth aged 21-40.
• SWEET (Successful Women Entrepreneurship Engagement Talent) A special program for Bumiputera women aged 21-60 to venture into franchise, pre-franchise, or licensing entrepreneurship. Includes business matching, financing assistance (up to RM500,000 for Sdn Bhd companies, up to RM250,000 for Sole Proprietorship/Partnership/LLP; up to 80% of project cost), structured training, and 6-month post-launch mentoring. Requires 60% majority women Bumiputera shareholding. Target customers: Bumiputera women aged 21-60.
• Franchise Institute Training Programs A training institute owned by Pernas offering platforms to enhance human capital, knowledge, and skills through various training programs for the franchise community, entrepreneurs, potential business individuals, and the public. Programs include Awareness (1 day), Basic (2 days), Intermediate (2 days/module), Advanced level, and Capacity Training (10 days), covering franchise direction, legal requirements, operations management, financial management, franchisee management, and marketing. Target customers: franchise entrepreneurs, potential business individuals, and the public.
• Property Leasing (Sewaan Premis) Property leasing services providing rental opportunities for entrepreneurs to start their businesses in Pernas-owned premises. Benefits include strategic locations, affordable rental rates, and flexible commitments. Target customers: entrepreneurs seeking to start franchise businesses.
• Equity Investment (Pelaburan Ekuiti) Strategic equity investment opportunities for potential entrepreneurs to grow with Pernas. Provides access to investment capital, expertise, networks, strategic support, mentorship, and brand/share market access. Target customers: entrepreneurs seeking capital and strategic partnership for franchise growth.
• i-VIP (Veteran & Retiree Entrepreneurship Initiative) A Pernas initiative targeting Bumiputera veterans or retirees who want to venture into entrepreneurship, particularly franchise business. Provides financing assistance (RM20,000 to RM500,000 at 4.0% reducing balance, up to 70% financing), training, advisory, and consultation services. Target customers: uniformed veterans, government/corporate retirees, and VSS/MSS recipients aged 41-65 (Bumiputera).
• SME Business Financing Scheme (Skim Pembiayaan Perniagaan SME) Financing scheme for Small and Medium Enterprises providing financial support for business development and expansion. Target customers: SMEs seeking working capital and growth financing.
• Incubation Programme A franchise business incubation program designed to nurture and develop aspiring franchise entrepreneurs through structured guidance and support. Target customers: aspiring franchise entrepreneurs seeking structured business incubation.

Quantifiable outcome

• Over 1,000 franchises have received support and assistance to develop their businesses
• +2 more outcomes

Named customers2 records

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

13 partnerships are on record, tiered core and minor.

• MARA (Majlis Amanah Rakyat)coreStrategic or Co-development Partner · 4 May 2026MoU signed on 4 May 2026 at World Trade Centre Kuala Lumpur for collaboration in franchise development, financing support, and entrepreneur development programs targeting Bumiputera entrepreneurs.
• Malaysia International Franchise Sdn. Bhd.coreStrategic or Co-development PartnerWholly-owned subsidiary of Pernas focused on franchise development and management. Current directors include Encik Ismail bin Abd Halim and Dato' Shamsuddin bin Mohd Mahayidin.
• Kementerian Pembangunan Usahawan dan Kopi (KUSKOP)coreStrategic or Co-development PartnerGovernment ministry partnership for Be Your Own Boss (BYOB) initiative providing franchise, pre-franchise, and licensing opportunities to youth and women entrepreneurs.
• Gloria Jeans MalaysiaminorChannel Partner/ Reseller/ DistributorSubsidiary brand under Pernas portfolio. Coffee and café franchise brand operating in Malaysia.
• Abdul Samad Al Qurashi MalaysiaminorChannel Partner/ Reseller/ DistributorSubsidiary brand under Pernas portfolio. Dates and Arabian products retail franchise.
• 1901minorChannel Partner/ Reseller/ DistributorSubsidiary brand under Pernas portfolio. Premium cotton candy and confectionery franchise.
• SME Corp MalaysiaminorChannel Partner/ Reseller/ DistributorCentral coordination agency for SME development in Malaysia providing ecosystem support for Pernas programs.
• Amanah Ikhtiar Malaysia (AIM)minorChannel Partner/ Reseller/ DistributorIslamic microfinance institution supporting micro-entrepreneur development aligned with Pernas franchise ecosystem.
• UDA HoldingsminorChannel Partner/ Reseller/ DistributorUrban Development Authority providing property and business development support services.
• Insken (Institut Keusahawanan Negara)minorChannel Partner/ Reseller/ DistributorNational entrepreneurship institute providing training and development programs aligned with franchise entrepreneurship.
• Institut Kemahiran Belia Negerawak (IKBN)minorChannel Partner/ Reseller/ DistributorNational skills institute providing vocational training supporting youth entrepreneurship development.
• Media PrimaminorGTM or Marketing PartnerCommercial visit/courtesy call documented on 18 June 2026 for potential media collaboration and coverage of franchise industry developments.
• Astro AwaniminorGTM or Marketing PartnerMedia partner for PIFF 2025 event coverage with interview programming on franchise development and entrepreneur empowerment themes.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bank Rakyat: Malaysia's largest Islamic cooperative bank and Pernas financial partner. Comparable because it offers Shariah-compliant financing to SMEs and Bumiputera entrepreneurs, overlapping Pernas' Tawarruq-based franchise financing schemes at broader scale across multiple verticals.
• MIDF (Malaysian Industrial Development Finance): Malaysian government-linked development finance institution. Comparable because it provides development-focused financing across multiple sectors including manufacturing and franchising, functioning as a broader-spectrum analog to Pernas' mandate-bound financing activities.

Regional players

• UDA Holdings: Malaysian urban development authority and Pernas ecosystem partner. Comparable because it combines property leasing/development with Bumiputera business support, mirroring Pernas' blend of premises and entrepreneur development services for the same domestic Malaysian market.

Direct peers

• MARA (Majlis Amanah Rakyat): Malaysian government agency under a recently signed May 2026 MoU with Pernas. Comparable because it channels financing, training, and business development support to Bumiputera entrepreneurs, directly overlapping Pernas' primary franchise financing and entrepreneurship mandate.
• SME Corp Malaysia: Central coordinating agency for SME development in Malaysia and listed Pernas partner. Directly comparable because it serves an overlapping SME/franchise entrepreneur mandate through financing referrals, capability programs, and ecosystem coordination, mirroring Pernas' GLC-style franchise development role.
• SME Bank (Bank SME): Malaysian development financial institution focused on SME financing and a Pernas ecosystem partner. Comparable because it underwrites SME and franchisee financing and provides complementary government-backed capital that competes and partners with Pernas' franchise financing products.
• TEKUN Nasional: National micro-enterprise financing institution and Pernas ecosystem partner. Comparable because it provides micro and SME Shariah-compliant financing to Bumiputera entrepreneurs, overlapping Pernas' financing-for-franchisees programs (BIT, YOUNITY, SWEET, i-VIP).
• Amanah Ikhtiar Malaysia (AIM): Islamic microfinance institution serving micro-entrepreneurs and a Pernas ecosystem partner. Comparable because it funds micro Bumiputera entrepreneurs under Shariah principles, overlapping Pernas' micro-tier financing and pre-franchisee programs.

Emerging players

• INSKEN (Institut Keusahawanan Negara): National entrepreneurship institute under KUSKOP and a Pernas ecosystem partner. Comparable because it delivers structured entrepreneurship training and capacity programs, directly paralleling Pernas' Franchise Institute training modules and Xcelerator advisory services.
• CGC Malaysia (Credit Guarantee Corporation): Malaysian government-linked provider of credit guarantees to SMEs. Comparable because it de-risks SME financing portfolios similar to those Pernas underwrites through its Tawarruq schemes, addressing the same capital-access bottleneck for franchisee and MSME borrowers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/pernasofficial
• YouTubeyoutube.com/@perbadanannasionalberhadpe9616
• Facebookfacebook.com/pernasofficial
• Instagraminstagram.com/pernasofficial
• TikToktiktok.com/@pernasofficial

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Perbadanan Nasional Berhad - Pernas