PERMODALAN Nasional Madani (PNM—a financial institution providing support for small and micro businesses) is currently applying for money from Jamsostek (the state-run social security program). PNM has been captivated by the funds being offered by Jamsostek as a part of the small business development program.

PNM has also approached Bank Ekspor Impor. This state-owned enterprise (or SOE as they are referred to) has been appointed by the