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KDI 경제교육·정보센터

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최신자료
Sustainability-Adjusted Credit Guarantee Pricing for Financing Micro, Small, and Medium-Sized Enterprises in Malaysia
ADB
2026.07.22
This paper outlines a risk-based and sustainability-adjusted credit guarantee pricing framework for micro, small, and medium-sized enterprises (MSMEs) in Malaysia. The framework considers a firm’s financial health, environmental footprint, and macroeconomic conditions. In bank-dominated financial systems such as Malaysia‘s, credit guarantees help facilitate lending to MSMEs. The paper proposes a way to both ease MSMEs‘ access to finance and incentivize responsible business practices.