Covid-19 pandemic has transformed our normal life into a new normal. It presents various challenges to the economic survival of Malaysians at various levels such as SME and enterprises.  Malaysians, especially the B40 group, have been badly hit due to the fact that they may not be able to go to work because of the Movement Control Order (MCO).  After 6 weeks of MCO where only essential services were allowed to operate business, employers may not be able to pay salaries or will undertake salary cuts.  This situation has affected many B40 families and UTM students since 60% of them are from this class.