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Higher Education in Malaysia  >  Government Study Loan  >  MARA

MARA Study Loan Scheme

MARA Study Loan Scheme was first introduced in 1966 when Majlis Amanah Rakyat (MARA) was formed. The financial assistance was then given out in the form of full scholarships. From 1968, the financial aid for college was divided into 2 types. MARA scholarships with a 25 % repayment and MARA study loans with a 100 % repayment.

From 1 January 1985 until 31 December 1997, the financial aid was in the form of convertible loans. Students who obtained good grades upon graduation were eligible to apply to convert their MARA study loans to MARA scholarships.

Starting from 1 January 1998, this financial aid has been given out as a 100 % loan except for loans given out under the Excellent Student Scheme where students can apply to convert their MARA study loans to MARA scholarships based on their examination results.


Majlis Amanah Rakyat (MARA) Study Loan


The MARA Loan programme applies to students who plan to join any private institution for '3+0' programmes. Students must apply to the respective institution before applying for the loan.


Eligibility criteria

Bumiputera, Malaysian citizen: Definition of Bumiputera – If one of the parents is a Malay and practicing Islam or Bumiputera (aborigines/indigenous for Sabah & Sarawak) therefore his/her children are Bumiputeras. Credits in Bahasa Melayu at SPM/SPMV level.
Never been sponsored by any scholarship bodies at the same education level. Students whose scholarships have been terminated by any sponsor may apply for MARA financial assistance a year after the termination, with the condition that the students have to bear all expenses for that year and obtain excellent results.

Institutions of higher learning are recognized by Malaysian Government or private institutions of higher learning are recognized by Private Education Division, Ministry of Education.

Meet age requirements as follows:
i. Programs for SPM school leavers – 19 years and below
ii. First degree – not exceeding 30 years old
iii. Master’s degree/Medicine/Dentistry Specialization - not exceeding 40 years old
iv. Doctor of Philosophy (phD) – not exceeding 45 years old

Currently undergo courses that are of great importance to MARA.
Free from any contracts or paid leave from employer while studying except for Medical Specialization courses (For each programs sponsored, there will be other specific requirements relevant to such programs)
The Socio Economic status of the family where the annual taxable joint income of the parents or spouses must not exceed RM80,000.

Loan coverage
The loan covers tuition fees and allowance, the amount of which depends on the student's financial background .


How to apply

Inquiries, please contact:

For Sabah students:
Sabah State MARA Office
Tingkat 1, 2 & 3, Lot 1 &2, Blok J,
Ruang Singgah Mata 4, Asia City
Peti Surat 11040,
88609 Kota Kinabalu, Sabah
Tel : 088-211 011 / 211 012
Fax : 088-211 603

For Sarawak students:
Sarawak State MARA Office
Tkt 2, Bangunan MARA (Bangunan MARA Plaza Astana)
Jln. Astana Petra Jaya,
93050 Kuching, Sarawak
Tel : 082-448 121/ 082-445 112/ 082-443 102
Fax : 082-443 514

Loan Amount : MARA loan covers tuition fees and allowance, the amount of which depends on your financial background.
Academic Qualification : SPM/STPM
Age Limited : Only Bumiputera students are eligible

MARA Loan are AVAILABLE for following programme:


Foundation in Business Information Technology

Diploma in Information Technology

Diploma in Business Administration

Diploma in Accounting

Diploma in Hotel Management

BA (Hons) in Business Administration

BA (Hons) in Business and Accounting

BA (Hons) in Business and Marketing

1 AMMA Foundation Study Loan
2 Bakun Charitable Trust
3 Employees Provident Fund (Account II) Withdrawal Scheme for Education
4 The Public Service Department (JPA) Local & Overseas Sponsorship Programmes
5 Biasiswa Kerajaan Negeri Sabah Scholarship (For Degree Student Only)
6 The Public Service Department (JPA) Local & Overseas Sponsorship Programmes
7 Pinjaman Latihan Kemahiran
8 Majlis Amanah Rakyat (MARA) Study Loan
9 MARA Scholarship Programs
10 Ministry of Higher Education - Scholarship Division
13 PTPTN - Perbadanan Tabung Pendidikan Tinggi Nasional
14 The Social Security Organisation (SOCSO) Education Fund
16 Yayasan Khazanah Global Scholarship
17 Yayasan Sabah Group
18 Yayasan Sarawak Study Loan
19 Yayasan Tunku Abdul Rahman scholarship
20 YPPB Yayasan Peneraju Pendidikan Bumiputera scholarship


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