Step 2 – Prepare a sharing document. The aim is to create a guarantee on the shares that can be exercised in the event of a breach of the loan agreement. The main points to include in a shareholder agreement are the following: land (i.e. real estate) is a good method to insure the amount borrowed. There are five steps to achieve this: there is no minimum capital requirement or investment amount to set up a business in Malaysia after the implementation of the new law, but, in practice, RM1 should be the minimum paid-up capital to set up a business. However, it is important to note that most government authorities, banks or other entities may require a company to meet a certain minimum capital before considering an application for a loan, license, offer and operations. Only institutions with the required licences issued under the Moneylenders Act 1951 may carry out money lending operations as businesses. Friendly credit agreements are valid and can be a useful mechanism for the public to support each other in times of distress. .