04/07/2026
04.07.2026
Many people refer to MARA funding as a “MARA Grant”, but in reality, MARA mostly offers business financing loans rather than full outright grants. This financing must generally be repaid in accordance with the stipulated terms and conditions. That said, several schemes include incentive components or conditional grants; for instance, certain programmes offer extra benefits if repayments are made consistently on time.
What is MARA Financing / the so-called “MARA Grant”?
MARA financing is financial assistance for Bumiputera entrepreneurs to:
- Launch a brand-new business
- Expand an existing enterprise
- Purchase machinery and equipment
- Add working capital
- Renovate business premises
These funds are provided to boost the competitiveness of Bumiputera entrepreneurs.
Main Types of MARA Financing Schemes
The key programmes available include:
1. SPiM (Skim Pembiayaan Perniagaan Mudah Jaya / Easy Success Business Financing Scheme) – up to RM500,000 depending on company type
2. DanaNITA – exclusively for female Bumiputera entrepreneurs, with a maximum limit of RM150,000
3. SEMAi – for graduates of MARA educational institutions, capped at RM50,000
4. PUTRA – targeted at entrepreneurs aged 40 and below, up to RM10,000
5. OKU Scheme – up to RM50,000 for persons with disabilities
6. Professional Scheme – maximum RM500,000 for professionals such as doctors, lawyers, accountants and architects
7. PUTEK – for machinery and equipment purchases, with specific incentives upon fulfilling relevant criteria
Eligibility Criteria
Standard basic requirements are as follows:
- Malaysian citizen
- Bumiputera status
- Aged between approximately 18 and 60 years old (varies by scheme)
- Business registered with SSM (Companies Commission of Malaysia)
- Full-time business operation
- Possess all required licences and permits
- Have dedicated business premises
- Business operations comply with Shariah principles
- Not blacklisted by MARA
- Hold relevant experience or knowledge in the business sector
- Certain schemes require the business to have operated for a minimum of 6 months, plus a minimum 10% self-funded capital contribution
Application Steps
1. Register an account via MARA’s official MyUsahawan portal
2. Complete the online application form
3. Select the most suitable financing scheme
4. Upload all supporting documents
5. Submit the application
6. If requested, submit original or certified copied documents to the local MARA District Office within the specified timeframe
7. MARA will conduct evaluations, interviews (where necessary) and site visits to business premises before releasing a final decision
Official Application Portals
- MARA MyUsahawan
- MARA Financing Application Login Page
Commonly Required Documents
- Identity card
- SSM business registration certificate
- Local authority (PBT) licence (if applicable)
- Bank statements
- Financial statements or sales records
- Quotations for machinery/equipment (where relevant)
- Copy of business premise rental agreement
- Comprehensive business plan
- Additional scheme-specific supporting documents upon request
Profit Rate & Tenure Example (SPiM Scheme)
- Annual profit rate: 4% per annum
- Financing tenure: 1 to 10 years
- Financing limit: Up to RM250,000 (sole proprietorship / partnership) or RM500,000 (Sdn Bhd private limited company)
Tips to Boost Approval Chances
- Ensure the business is already operational with verified sales track records
- Prepare a clear, detailed business plan
- Maintain tidy financial records and bank statements
- Clear any overdue repayments and avoid MARA blacklisting
- Apply for a loan amount that matches your actual business needs
- Demonstrate solid experience in your chosen industry
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很多人都把MARA资助称作“MARA拨款”，但实际上MARA提供的大多是商业融资贷款，而非全额无偿补助。这类融资款项通常需要按照规定条款分期偿还。不过部分配套计划附带激励政策或有条件补助，例如按时足额还款可获得额外福利。
什么是MARA融资/俗称的“MARA拨款”？
MARA融资是面向土著企业家的经济援助，用途包含：
- 创立全新生意
- 扩张现有企业规模
- 采购机械设备
- 补充营运周转资金
- 翻新经营场地
该资金旨在提升土著企业家的市场竞争力。
MARA主流融资配套计划
主推方案如下：
1. SPiM简易兴业商业融资计划：额度最高50万令吉，视企业类型而定
2. DanaNITA女性土著企业家专项基金：上限15万令吉
3. SEMAi玛拉院校毕业生配套：最高5万令吉
4. PUTRA青年创业计划：面向40岁及以下创业者，额度1万令吉封顶
5. OKU残障人士创业配套：最高5万令吉
6. 专业人士融资计划：医生、律师、会计师、建筑师等从业者可申请最高50万令吉
7. PUTEK设备采购融资：达标后可享受专项激励优惠
申请基本资格
通用基础条件：
1. 马来西亚公民
2. 土著（Bumiputera）身份
3. 年龄18至60岁区间（不同计划要求略有差异）
4. 企业已在马来西亚公司委员会（SSM）注册
5. 全职经营生意
6. 持有全部所需营业执照
7. 拥有固定经营场地
8. 经营模式符合伊斯兰教法准则
9. 未被玛拉机构列入黑名单
10. 具备相关行业经营经验与认知
11. 部分配套要求企业已营业至少6个月，且自有资金最低占比10%
申请流程
1. 登录玛拉官方MyUsahawan平台注册账号
2. 填写线上申请表格
3. 挑选适配自身业务的融资方案
4. 上传全部佐证文件
5. 提交线上申请
6. 若官方通知，需在规定时限内携带原件/认证副本前往地方玛拉办事处提交审核
7. 玛拉将开展资质评估、面谈（如需）及实地门店走访，之后发布审批结果
官方申请入口
- MARA MyUsahawan创业平台
- MARA融资申请登录页面
常规必备文件
- 身份证
- SSM公司注册证书
- 地方政府营业执照（适用者提供）
- 银行月结单
- 财务报表或销售记录
- 机械设备报价单（采购设备项目需提供）
- 店铺租赁合约复印件
- 完整商业计划书
- 对应配套要求的其他补充文件
SPiM配套利率与贷款期限参考
- 年利率：4%
- 贷款期限：1–10年
- 贷款额度：独资/合伙公司最高25万令吉；私人有限公司（Sdn Bhd）最高50万令吉
提高获批率实用建议
- 确保生意正常运营，具备可查证销售记录
- 准备逻辑清晰、内容完整的商业计划书
- 整理干净完整的财务与银行流水单据
- 无逾期欠款记录，不在玛拉黑名单内
- 申请金额贴合企业真实经营需求，勿过度申贷
- 充分展示自身在本行的从业经验
