Eligible MSMEs

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Register for your new account and fill in the requested information about you and your business, then you are all set apply for a voucher!

Definition of Micro, Small and Medium-sized Enterprises

Any business entity organized for profit, with a place of business located in Jamaica, and which operates primarily within Jamaica or makes a significant contribution to the Jamaican economy through payment of taxes or use of Jamaican products, materials or labour may be eligible for a voucher. These companies must operate in the productive sectors and should at least be registered as a sole trader. The table below defines the characteristics of the eligible MSMEs:

Firm Size

No. of employees

Total Annual Sales/Turnover

Micro ≤ 5 ≤ J$10 million


6 – 20

> $10 million ≤ J$75 million

Source: MIIC MSME Policy

Prohibited Business Relationships

The DBJ is prohibited from entering into a business relationship with the following categories of businesses: 

  • Shell Banks
  • Telegraph/Wire Transfer Offices
  • Money/Currency Exchange Houses
  • Unauthorised Telephone card sales
  • Pyramid Sales Schemes
  • Fantasy Phone Call Companies
  • Internet Gaming (including Sports Books)
  • Internet or Virtual Casinos
  • Unauthorised Direct Sales/Marketing
  • Cambios (unlicensed)
  • White Label Automatic Banking Machine (ABM) Operators
  • Massage parlours 
  • Escort Services
  • Adult Content Web Sites
  • Sale/Distribution of pornographic or obscene material and other sexual communication/ paraphernalia

Acceptable Forms of Identification

When accessing service from an accredited Business Development Organisation (BDO) each entrepreneur must present two (2) forms of identification as described below:

  1. At least one must be a valid government -issued document (i.e. passport, driver’s license, elector registration identification card) containing a photograph and the customer’s signature;
  2. The second must be a valid official item with or without signature and/or photograph (e.g. birth certificate accompanied by a Declaration of Identity) both signed by a Justice of the Peace, Minister of Religion or Attorney-at-Law confirming the identity of the customer, employee ID from a known employer, a TRN Card or any other form of identification deemed as acceptable by the Bank;

Source: DBJ’s Anti-Money Laundering and Anti-Terrorism Financing Policy and Procedure, March 2015 - http://dbankjm.com/download-documents