1. Malaysians aged between 18 and 58 years old
  2. Gross household income of between RM500 and RM3,000
  3. Applicants must not be declared bankrupt throughout the loan funding period
  4. Any other terms set by the banks
  5. Applicants and / or spouse must not be a participant or beneficiary of any ASNB-related Government programme:
    • Program Pembangunan Rakyat Termiskin;
    • ASB Sejahtera; and
    • ASW2020-Bandar
  6. Applicants and / or spouse do not have any investments in ASNB unit trust products OR applicants and/or spouse(s) (household) have a combined aggregate investment of less than RM10,000 in all ASNB products
  7. All-clear status for ASNB unit trust account
  8. Application is subject to the distribution of Amanah Saham 1Malaysia (AS 1Malaysia)Ias stipulated and availability:
    • Bumiputera – 50%;
    • Chinese – 30%;
    • Indian – 15%; and
    • Others – 5%
  9. Only one member of the household is eligible to obtain the loan funding
  10. Application is approved for a loan at one bank

Eligible household refers to individuals with gross household monthly income of between RM500 and RM3,000 including the following categories:

  • Married – a combination of gross income of the husband and wife; and
  • Single mothers or fathers – individual gross income.


Main Documents

  • Application form to participate in Skim Amanah Rakyat 1Malaysia (BPPSARA1M)
  • Loan Form from the participating financial institutions
  • Registration form of Unit Amanah Akaun Dewasa ASNB P1
  • Additional Investment Form ASNB 21
  • Redemption Form ASNB 31
  • Investment Book Renewal Form BS3
  • Risk Disclosure Statement (RDS)

Supporting Documents

  • Original and 2 copies of Mykad of applicants
  • Original and 1 copy of Mykad of spouses (if applicable)
  • Certified Income document
    • For applicants and/or spouses, please provide original and copies of the latest three months’ Pay Slips or Bank Statements.
    • For applicants who do not have Pay Slip or Bank Statement, the income declaration stated in BPPSARA1M Part C will be applicable.

    * BPPSARA1M MUST be signed before a WITNESS – either the Employer/Penghulu/Official at the Department of Orang Asli Development/Government Official in a Managerial Position /Member of State Legislative Assembly/ Member of Parliament