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  1. MARA Entrepreneur Guarantee Scheme (SJUM)

MARA working with selected commercial banks to offer financing facilities and acting as guarantor.

Financing Facility :-

  • Cash Line Facility (Cash Facility)
  • Documentary Credit Murahabah Facility (DCM Facility)
  • Muharabah Working Capital Financing Facility (MWCF Facility)
  • Bai Al-Dyan Working Capital Financing Facility
  • Other facilities offered by commercial banks

Applicant Eligibility

  • Bumiputera business with Private Limited, Partnership and Sole Proprietorship statuses
  • Business has begun its operation and received  Audited Financial Statements for at least two (2) years, and  is profitable for the past 2 years
  • Paid-up capital of at least 20% of total application
  • Satisfactory business credit status based on BMC / CCRIS / RAM credit report
  • Meets the requirements set by the participating commercial banks

Funding Limits

  • Sole Proprietor / Partnership Company:-
  • RM200,000.00 to RM500,000.00
  • Private Limited Company :-
  • RM200,000.00 to RM5,000,000.00

Collateral /  Guarantee

  • Subject to the conditions set by the participating commercial banks

Guarantee Fee

  • 1% per annum of the guarantee amount (including 6% GST)

How to Apply

  • Application must be made by submitting a business plan to selected commercial banks or MARA State / MARA District Offices or directly to the nearest bank

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