MARA SPiM (business financing)
MARA SPiM (Skim Pembiayaan Perniagaan i-MARA)
Google rating for: MARA head office
MARA Shariah-compliant business financing for Bumiputera entrepreneurs: up to RM250,000 (sole proprietor/partnership) or RM500,000 (Sdn Bhd), 4% profit rate.
- Check you qualify: Bumiputera citizen aged 18–60, SSM-registered, with premises and a local-council licence, in business full time for at least 6 months, a Shariah-compliant business, not blacklisted, and at least 10% own contribution.
- Decide what it is for: working capital, machinery or premises renovation. Limit RM250,000 (sole proprietor/partnership) or RM500,000 (Sdn Bhd), 1–10 years, 4% profit rate.
- Prepare security: an earning guarantor, OR land (FSV at least 10%), OR a 10% Islamic fixed deposit. For a Sdn Bhd, all directors must guarantee.
- Apply online through MARA MyUsahawan, or call the MARA hotline 03-2613 2000.
Checked 19 Oct 2026
Questions
What is MARA SPiM (business financing)?
MARA SPiM (Skim Pembiayaan Perniagaan i-MARA): MARA Shariah-compliant business financing for Bumiputera entrepreneurs: up to RM250,000 (sole proprietor/partnership) or RM500,000 (Sdn Bhd), 4% profit rate.
How do I get started with MARA SPiM (Skim Pembiayaan Perniagaan i-MARA)?
Follow the 4 steps on this page. Step 1: Check you qualify: Bumiputera citizen aged 18–60, SSM-registered, with premises and a local-council licence, in business full time for at least 6 months, a Shariah-compliant business, not blacklisted, and at least 10% own contribution.
When was this information checked?
Checked on 19 Oct 2026 against the provider's official page.