Small business owners in Selangor can now get micro-financing of RM10,000 and below approved in under 48 hours through DANA PLUS, a digital application launched by Yayasan Hijrah Selangor. The same approval previously took 14 to 21 days.

DANA PLUS is also the main channel for RM32 million in micro-financing set aside under the Selangor Budget 2026 and the Selangor Resilience Strengthening Package Phase 2.

Up To RM50,000 With No Interest Charged

Hijrah Selangor runs two micro-financing products. NIAGA PLUS is open to eligible individual entrepreneurs for working capital, buying assets, or renovating business premises, and is available at all Hijrah Selangor branches. SURI PLUS is for women entrepreneurs in Selangor, requires applicants to form a group of five, and is offered at only four branches, in Sabak Bernam, Kuala Selangor, Kuala Langat, and Hulu Selangor.

The maximum financing under either product is RM50,000, with the amount approved depending on your eligibility. Applicants must be between 18 and 65 years old. Repayment runs up to five years for NIAGA PLUS, and between six months and three years for SURI PLUS. Both are Shariah-compliant, using a tawarruq structure based on commodity murabahah, so there is no interest charged. Hijrah Selangor applies an annual service charge instead.

Since the DANA PLUS pilot began in January 2025, the platform has taken in 4,436 applications and approved 3,237, releasing more than RM70 million. For financing of RM10,000 and below, 82.9% of applications were approved, and the fastest full approval on record came through in four hours.

Bigger Financing And Grants Through Bank Muamalat

Hijrah Selangor has signed a Memorandum of Agreement with Bank Muamalat Malaysia Bhd to run the iTEKAD programme for B40 and asnaf entrepreneurs. Hijrah Selangor identifies eligible applicants and provides micro-financing of up to RM50,000 along with structured entrepreneurship training, while Bank Muamalat channels grants of up to RM5,000 for buying business equipment. The RM5,000 grant does not need to be repaid.

Between December 2025 and June 2026, 200 Hijrah Selangor entrepreneurs went through the programme. The target for this year is 400 participants with a RM2 million allocation, rising to 1,000 entrepreneurs by December 2027.

Applying From Your Phone Or A Branch

Applications go through the DANA PLUS app, which you download to your phone before registering. From there, you submit the application, upload your supporting documents, track the status, and sign the agreement digitally. Hijrah Selangor publishes a user manual and the full application steps on its financing application page.

If you would rather apply in person, or if you are applying for SURI PLUS, you will need to go to a branch. Hijrah Selangor lists all of its branch locations across the state.

You can also compare micro enterprise financing from banks and non-bank lenders to find the option that suits your business best.

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