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      Professional Financing Scheme (ProSPEC)

      Objectives
      • To provide business financing facilities under the Professional Entrepreneur Development Programme (ProSPEC)
      • To increase the participation of Bumiputera entrepreneurs in the field of professional entrepreneurship
      Terms and Conditions

      Basic Terms

      1. Malaysian citizen and Bumiputera
      2. Aged between 18-60 years
      3. Have a valid business registration (SSM)
      4. Operate in a business premise
      5. Have a license / permit / letter of authorization from the local authority (PBT)
      6. Operate a full-time business
      7. Engaged in a syariah compliance business
      8. Not a MARA blacklisted individual
      9. Able to contribute own capital of not less than 10% of the project cost

      Specific Terms

      1. Professionals who are recognized and registered as members of any relevant professional body
      2. Have work experience in related professional fields within specific periods and criteria through entrepreneur development programmes set by MARA
      3. Fullfill specific   requirements through the relevant entrepreneurship development programme conducted by MARA
      Scope of Financing
      • Revolving capital
      • Purchase of machinery and equipment
      • Renovation of business premises
      Financing Limit
      • Sole Proprietorship / Partnership: RM250,000.00
      • Private Limited (Sdn. Bhd): RM500,000.00
      Financing Period

      1-10 years @ 12-120 months

      Guarantee / Collateral
      • Guarantee
        One or more guarantors with a monthly fixed income of not less than 3% of the total financing applied

      Or

      • Collateral
        Land collateral with Forced Sale Value of at least 10% of the financing applied

      Or

      • A combination of both

      Or

      •  Fixed Deposits
        Islamic fixed deposit (General Investment Account) based on 10% of the financing value
      • Financing for private limited (Sdn. Bhd.) companies requires guarantee/ assurance of all the Board Members
      Profit Rate

      4%

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      Last update: 31 March 2023 at 12:26:37

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