Majlis Amanah Rakyat (MARA)


MARA Business Financing Scheme
Majlis Amanah Rakyat (MARA)

Objective : To provide financing facility to encourage more Bumiputera participation in business as well as to enhance the quality of Bumiputera entrepreneurs in the small and medium business industries.
Maximum financing rate : 4% per annum
Maximum tenure : Up to 15 years based on the financing scheme
Maximum financing : RM500,000 based on the financing scheme
Participating financial institutions / Implementing Ministry / Agency : MARA
Eligibility criteria :
  • Malay or Bumiputera aged 18 years old and above
  • Obtained the necessary licence/permit/approval letter from authorities to operate the business
  • Provide owned capital at least 10% of the project's cost
  • Full-time in the running of the business
  • Provide adequate collaterals
  • Required to attend entrepreneurial course if business experience is less than 6 months
Purpose of financing
  • Assets acquisition and working capital
Eligible sector / Types of financing

All sectors
Type of assistance / Form of financing
General financing scheme
  • Business financing for Professional (RM250,000)
  • Financing for transportation business (RM250,000)
  • Business financing for Mini Market (RM250,000)
  • Business financing for ex-IKM/Giat trainees (RM50,000)
  • Business financing for ex-trainee under MARA Programmes (RM250,000)
  • Agriculture financing (RM250,000)
  • Financing without collateral or guarantee (RM50,000)
  • Business financing for Taxi services
Contract financing
  • Financing for General/Fixed Contract (RM250,000)
  • Financing for Sub-contractor under umbrella concept (RM250,000-RM500,000)
  • Repeat financing for excellent contractors (RM250,000-RM500,000)
Special financing for manufacturing and Franchise
  • Manufacturing, services, tourism services (RM500,000)
Application procedure : Application to be submitted to MARA
Contact Majlis Amanah Rakyat (MARA)
Tingkat 26, Bangunan Medan MARA
Jalan Raja Laut
50609 Kuala Lumpur
Tel: 03-2691 5111
Fax: 03-2691 3620
Website: www.mara.gov.my


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