BSN Personal Loan offers competitive interest rates and financing options of up to RM200,000 for both public and private sector employees in Malaysia. Enjoy flexible repayment terms with a trusted financial partner. Learn more about the application process and benefits of the BSN Personal Loan today!
BSN Personal Loan Government Sector
BSN offers a personal loan specifically tailored for individuals working in the Public Sector, including government agencies, government-linked agencies (GLA), and government-linked companies (GLC). This loan comes with competitive interest rates and convenient repayment terms.
BSN MyRinggit (Public Sector)
This is a personal financing facility for public sector employees that provides easy access to financial assistance with flexible repayment options.
Eligibility Criteria
To qualify for the BSN Personal Loan Government Sector, applicants must meet the following requirements:
Malaysian citizen aged between 21 to 60 years old (subject to retirement age at the end of the loan tenure).
Employed in the government sector, GLA, GLC, or any organization that provides salary deductions through BPA.
Minimum income of RM1,500 per month.
Permanent employee who has been employed for 3 months or more.
Contract or temporary employees with over 12 months of service.
Must be a BSN Giro/i account holder.
Documents Required
To apply for the BSN Personal Loan, the following documents are required:
A copy of NRIC (both sides).
Confirmation letter from employer.
Latest 2 months’ salary slip.
The BSN personal loan for the Government Sector offers a reliable financing option with competitive terms for eligible employees. With a straightforward application process and flexible conditions, it can help you manage your financial needs efficiently.
Loan Info
Fixed Rate
Floating Rate
Interest Rate
4.60% to 6.99%
BR + 1.75% to BR + 3.77%
Interest Rate Without Insurance
Additional 1% from the above rate
Loan Limit
Minimum: RM5,000 Maximum: RM200,000
Loan Tenure
Up to 10 years
Terms & conditions apply.
Personal Loan BSN MyRinggit (Eksekutif-1)
BSN MyRinggit Eksekutif-1 is specifically designed to help individuals meet their personal financing needs with affordable interest rates. This loan provides flexible repayment terms, making it an ideal choice for employees in various sectors looking for financial assistance.
Eligibility Criteria
To qualify for the BSN MyRinggit Eksekutif-1 loan, you must meet the following requirements:
Malaysian citizen aged between 21 and 55/60 years old (subject to retirement age at the end of the loan tenure).
Permanent & contract employees with at least one year of work experience.
Available to employees from the following sectors:
Premier Developer Panel
Private Hospitals
Telecommunication Companies
Licensed Financial Institutions
Multinational Companies
PETRONAS Group of Companies
Selected Private Universities & Colleges
Statutory Bodies
Government Link Companies
Selected Public Listed Companies in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading/Service, Industrial Product, Consumer Sectors only)
Professionals (Doctors, Architects, Lawyers, Accountants, and other certified professionals)
Must be a Bank Simpanan Nasional GIRO/i-Account holder.
Note: Age eligibility subject to employer confirmation.
Documents Required
The following documents are required to apply for the BSN MyRinggit Eksekutif-1 loan:
A copy of NRIC (front and back).
A copy of the latest 3 months’ payslips.
Latest EPF statement; AND
Confirmation letter from employer including:
Name
NRIC
Designation
Monthly salary
Date of employment
Alternatively, you may submit the latest EA/EC statement and the latest e-filing form, or any verified documents by the Inland Revenue Board (LHDN).
Note: All document copies must be certified by a Bank Simpanan Nasional officer.
The BSN MyRinggit Eksekutif-1 loan offers affordable financing options for eligible employees in various sectors. With a straightforward application process and flexible loan terms, it is the perfect solution for those looking to meet their personal financial needs.
Fixed Rate
Floating Rate
Interest Rate
6.00% to 8.50%
BR + 5.00%
Interest Rate Without Insurance
Additional 1% from the above interest rate
Loan Limit
Income
Loan Limit
RM3,000 to RM5,000
5x of monthly gross income
> RM5,000 to RM10,000
7x of monthly gross income
> RM10,000
10x of monthly gross income / maximum RM200,000 whichever is lower
Loan Tenure
Minimum: 2 years Maximum: 10 years
Method of Payment
BSN Standing Instruction
Terms & conditions apply.
BSN Pledging Loan: MyRinggit Sandaran Term Deposit
The BSN MyRinggit Sandaran Term Deposit offers a convenient way for BSN Term Deposit Certificate Holders to access additional funds. You can secure up to 95% of the value of your BSN Term Deposit without the need for a guarantor, making it an excellent financing option for those who need quick access to cash.
Eligibility Criteria
To be eligible for the MyRinggit Sandaran Term Deposit loan, you must meet the following requirements:
Malaysian citizen aged 18 years and above (not exceeding 65 years old on the loan expiry date).
BSN Term Deposit authorized certificate holder.
Documents Required
The following documents are needed to apply for the MyRinggit Sandaran Term Deposit loan:
A copy of your NRIC (both sides).
Original certificate of BSN Term Deposit.
Copy of GIRO/i Passbook / Statement.
The BSN MyRinggit Sandaran Term Deposit loan is an ideal choice for BSN Term Deposit certificate holders looking to access up to 95% of their term deposit value without the hassle of providing a guarantor. With minimal documentation and quick approval, this loan provides a convenient solution to your financial needs.
Features and Benefits
Loan Details
Guarantor
Without guarantor required. Just mortgage your Term Deposit Certificate.
Minimum Loan Limit
RM5,000.
Maximum Loan Limit
95% from your Term Deposit value.
Minimum Loan Period
Two (2) years
Maximum Loan Period
Ten (10) years
Payment Channel
BSN Standing Instruction
Rates
The rates for BSN personal loan for MyRinggit Sandaran BSB Term Deposit are as follows:
Loan Details
Loan Amount
Interest Rate
< RM100,000
BR + 2.50%
> RM100,000
BR + 2.00%
MyRinggit Sandaran Term Deposit Monthly Instalment Computation
Loan Option 1
Loan Option 2
Loan Amount
RM99,500.00
RM100,000.00
Period
5 years
5 years
Factor
19.5427
19.3096
Loan
Period (year)
Factor
Calculation
Instalment (RM)
99,500
5
19.5427
99.5 x 19.5427
1,945
100,000
5
19.3096
100 x 19.3096
1,931
Loan Limit*
Loan amount will be in multiple of RM1, 000 and subject to the following limit:
Minimum
Maximum
RM10,000
RM200,000 (Excluding other charges)
Rates:
Tenure
Interest Rate
5 – 30 years or subject to the maximum age of 65 years, whichever is earlier.
BR + 1.05% (Loan amounts up to RM50,000) BR + 0.85% (Loan amount above RM50,000)
* Subject to the current Bank’s terms and conditions
Contact Bank Simpanan Nasional
Wisma BSN, 117, Jalan Ampang, 50450 Kuala Lumpur Tel: +6 03 2162 3222 Fax: +6 03 2613 1888
BSN Personal Financing: Summary
Article Title: BSN Personal Financing
Category: #Bank #BSN #PersonalLoan
Purpose: #Promotion
Bank Personal Loans
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Get a personal loan with quick cash from your Citi Credit Card. Enjoy financing options of up to RM150,000 with flexible repayment terms. Get more info here! and start your application today!
Personal Loan Citibank: Quick & Flexible Financing Options
Whether you’re looking to decorate your dream home, pursue higher education, or fulfill your personal goals, Citibank Personal Loans can help you achieve your dreams with affordable financing options. Apply online for instant approval* in just 3 simple steps!
Key Benefits of Citibank Personal Loan:
Loan amount: Up to 10x your gross monthly income (RM5,000 to RM150,000).
Low flat interest rates: Starting from 5.88% – 9.80% per annum.
Flexible repayment tenure: From 24 to 60 months.
No processing fee.
No collateral or guarantor required.
Instant online approval for qualified applicants.
Eligibility Criteria:
To qualify for the Citibank Personal Loan, applicants must meet the following conditions:
Malaysian citizen or Permanent Resident.
Age: Between 21 and 60 years old.
Minimum monthly income: RM4,000.
Employed: Currently working in Malaysia.
Note: Age eligibility is subject to employer confirmation.
Simple 3-Step Application Process:
Fill in your contact details.
Enter your personal information and upload a copy of your NRIC.
Provide employment details.
Once you’ve completed the steps, confirm the loan terms and upload income documents.
Loan amount, tenure, and interest rates are based on the details you provide. The final offer may vary upon approval. All information submitted must be accurate to ensure approval.
Citibank Quick Cash: Instant Cash from Your Citi Credit Card
Need quick cash? Citi Quick Cash allows you to access funds from your Citi Credit Card instantly.
Flexible tenures from 6 to 60 months.
No documents required and no hidden fees.
Quick disbursement within 3 working days.
Get cash whenever you need it—simply apply via your Citi Mobile App!
Citi Balance Transfer via Installment Plan
Consolidate your credit card balances and convert them into affordable monthly installments with Citi Balance Transfer.
Tenures: From 6 to 36 months.
No hidden fees—just a simple transfer to Citi Credit Card.
Citi Debt Consolidation Plan: Simplify Your Finances
Combine up to 5 credit cards and loans into one manageable loan with Citibank’s Debt Consolidation Plan.
Interest rates: Effective rates from 11.90% – 12.90% per annum.
Save up to 2.5% on annual interest.
Up to 60 months loan tenure.
Take control of your finances and reduce multiple payments into a single monthly installment.
Other Citibank Personal Financing Options
CitiFlexBill: Convert Credit Card Bill into Installments
Exclusive for Citi credit cardholders, CitiFlexBill lets you convert your credit card bill into easy installments.
Flexible tenures: From 6 to 60 months.
Minimum conversion amount: RM1,000.
Simple conversion through the Citi Mobile® App.
Citi PayLite: Turn Big Purchases into Affordable Installments
With Citi PayLite, you can convert any purchase made on your Citi credit card into easy installments.
Minimum conversion: RM50.
Flexible tenures: From 6 to 60 months.
No processing fees—just affordable payments.
Shop anywhere and convert your purchases to installments in just a few taps.
How to Contact Citibank:
Citibank Berhad Level 1, Smart Banking Area, Citibank Tower 165, Jalan Ampang, 50450 Kuala Lumpur Opening Hours: 9:30 AM – 5:00 PM (Monday – Friday) Phone: 03-2383 0000
Summary
Citibank offers a variety of personal loans and financing options, including Citi Quick Cash, Citi Balance Transfer, and Citi PayLite, all designed to provide you with flexible and affordable financial solutions. Whether you’re managing existing debt or financing a new project, Citibank offers a straightforward, hassle-free process with competitive interest rates.
Personal Loan Citibank: Summary
Article Title: Personal Loan Citibank
Category: #Bank #Citibank #PersonalLoan
Purpose: #Promotion
Bank Personal Loans
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
BSN Personal Financing BSN Personal Loan offers competitive interest rates and financing options of up to RM200,000 for both public and private sector employees in…
Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Get financial help with low interest rates and minimal extra fees through Alliance Bank Personal Loans. Enjoy an exclusive rate of 3.99% p.a. when you apply online. This is a limited-time offer, so apply online for fast approval today!
Product Specifications
Key Benefits:
Exclusive rate of 3.99% p.a. for online applications only.
Low interest/profit rates starting from 3.99% p.a. on a flat rate basis.
Low monthly instalments to fit your budget.
Eligibility Requirements:
Malaysian citizens or residents working and residing in Malaysia.
Age: Must be between 21 to 60 years old (at the time of loan maturity).
Income: Minimum gross monthly income of RM5,000 or RM60,000 per annum.
Required Documentation (for Government Servants / Private Employees):
EPF statement.
Latest pay slip.
Latest bank statement showing income crediting.
How to Apply:
Apply online today to get your fast approval and enjoy the exclusive low rates available only for online applications.
Why Choose Alliance Bank Personal Loans?
Quick approval process when applying online.
Affordable monthly instalments to manage your finances with ease.
Exclusive low interest rates available only for online applications.
Take your business to the next level with Alliance Bank business loans. From purchasing equipment to securing working capital, we offer a variety of financing options designed to meet your business needs.
Business Finance-i Equipment Financing-i
Competitive rates with minimal administrative costs.
Fast turnaround time for quick approval.
Finance for the right equipment to propel your business forward.
General Working Capital-i
Provides funds for day-to-day business operations.
Helps with the purchase of stock, managing overheads, and supporting other business activities.
Designed to meet your working capital needs.
Business Premises Financing-i
Financing available for commercial properties or refinancing existing properties.
Flexible financing tenures to suit your needs.
High financing margins to give your business a boost.
Bridging Finance-i
Helps bridge cashflow issues during construction.
Supports developers by ensuring cashflow is maintained until the receipt of sales proceeds from end-purchasers and financiers.
Ensures the continuation of development projects until completion.
Palm Oil Plantation Financing-i
Tailor-made product for oil palm plantation businesses.
Covers needs ranging from land purchases to development costs and working capital.
Government Assistance Schemes-i
Special financing schemes available for SMEs.
Government funds designed to support business growth and development.
These business loan types offer a variety of solutions to help you manage cash flow, grow your business, and achieve your goals. Whether you need equipment, working capital, or assistance with property financing, Alliance Bank is here to support your business success.
Personal Loan Alliance Islamic Bank (Alliance Bank with Koperasi Pusamaju)
The personal loan from Alliance Bank with Koperasi Pusamaju is one of the most popular financing options among civil servants in Malaysia. This cooperation between Koperasi Pusamaju and Alliance Bank offers a personal loan with highly attractive interest rates, which is why many flyers about this loan are often seen in various places such as motorcycle baskets, car windshields, and door handles.
Key Benefits of Alliance Bank – Pusamaju Personal Loan:
Very attractive interest rates: 3.99% FLAT RATE for a loan term of 20 years.
Fast approval process (though sometimes it can take up to 4-6 weeks due to a high volume of applications).
High payout rate of 94% after deducting an advance of 3 months.
Repayment is deducted directly from salaries through Biro Angkasa (Salary Deduction).
History and Popularity of Koperasi Pusamaju
Koperasi Pusamaju, officially known as Koperasi Pembangunan Usahasama Masyarakat Maju Sabah Berhad (Kopusamaju), has been in partnership with Alliance Bank since 2002. Initially based in Sabah, the cooperative now has branches in Kuala Lumpur and Kuching. The popularity of this personal loan peaked when many flyers and pamphlets were distributed among civil servants, particularly in areas they frequently visit, such as Klinik Tanglin Kuala Lumpur.
Moreover, Pusamaju flyers stand out from others due to the use of thick colored paper and high-quality prints, unlike most personal loan flyers that are typically black and white.
Criteria and Terms for Alliance Bank – Pusamaju Personal Loan
To apply for the Alliance Bank Personal Loan with Koperasi Pusamaju, the following criteria must be met:
Profit rates: 3.4% to 4.8% (depending on current promotions).
Loan term: Up to 20 years.
High payout: 94% after deducting advance 3 months.
Approval process: Typically takes 3-4 weeks.
Eligibility for CCRIS/CTOS: Eligible to apply.
Repayment: Through salary deduction via Biro Angkasa.
Note: The promotion for this loan is currently closed temporarily. Please check the official website for updates on the latest promotions.
Why is Alliance Bank Personal Loan with Koperasi Pusamaju So Popular?
The successful partnership between Pusamaju and Alliance Bank has created a highly effective and trusted financing option for civil servants.
The loan offers not just low-interest rates, but also an easy approval process and flexible repayment options.
The promotions, such as 3.99% interest rate and a 20-year repayment period, make it a top choice for individuals seeking long-term financing.
Website & Application
To get a personal loan with Koperasi Pusamaju or to know more about current promotions, please visit their official website. This loan is also available with Islamic Financing that is Sharia-compliant.
Other Cooperatives with Attractive Promotions
If the Pusamaju loan is no longer available, there are also other cooperatives offering attractive personal loan promotions that are Sharia-compliant. Please visit the main website to apply for personal loans or find out more about the latest financing offers.
The Alliance Bank Personal Loan with Koperasi Pusamaju is a popular choice among civil servants because of its competitive interest rates, long repayment terms, and easy approval process. However, since promotions are limited, make sure to check the official website for the latest loan promotions.
Alliance Bank Personal Loans: Summary
Article Title: Alliance Bank Personal Loans
Category: #Bank #AllianceBank #PersonalLoan
Purpose: #GeneralInformation #Promotion
Bank Personal Loans
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
BSN Personal Financing BSN Personal Loan offers competitive interest rates and financing options of up to RM200,000 for both public and private sector employees in…
Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Make life brighter with the Maybank Islamic personal financing-i (MIPF-I). Get financing of up to RM100,000, with monthly repayments starting from just RM102.78. It’s a simple way to manage your finances and take control of your future. Apply now and start your journey towards financial freedom!
Key Benefits of Maybank Islamic Personal Financing-i
With competitive profit rates, fast approval, and no hidden fees, Maybank provides an accessible option to meet your financial needs.
Affordable Monthly Installments
Monthly repayments starting as low as RM102.78 per month*, ensuring that your loan fits within your budget.
No Hidden Charges
No document stamping fees.
No processing fees.
Fast Approval
Experience quick loan approval, making the process hassle-free and fast.
Fixed Monthly Installments
Your monthly payments are fixed, providing consistency and making it easier to plan your finances.
Loan Amount & Tenure Options
Financing Amount
Minimum Loan Amount: RM5,000.
Maximum Loan Amount: RM100,000.
Flexible Loan Tenure
Minimum Tenure: 2 years.
Maximum Tenure: 6 years.
Competitive Profit Rates (Interest Rates)
Maybank offers competitive profit rates depending on the loan amount:
Profit Rate for Different Loan Amounts
For RM5,000 to RM20,000: 8% per annum (fixed rate).
For RM20,001 to RM50,000: 7% per annum (fixed rate).
For RM50,001 to RM100,000: 6.5% per annum (fixed rate).
These low profit rates make it easier for you to manage repayments while offering the funds you need.
Maybank Personal Loan: Features and Benefits
If you’re in need of personal financing, Maybank Personal Loan is an attractive option with flexible terms, low-interest rates, and quick approval.
Key Features of Maybank Personal Loan
Affordable Monthly Payments
Starting at RM102.78 per month, depending on the loan amount.
No Fees
No document stamping or processing fees to worry about.
Fixed Monthly Installments
Predictable payments with fixed monthly installments.
Unsecured Loan
No collateral or guarantor required for the loan.
Personal Care Insurance Protection
Added insurance protection for added peace of mind.
Loan Amount & Tenure Options
Loan Amount
Minimum Loan: RM5,000.
Maximum Loan: RM100,000.
Loan Tenure
Minimum: 2 years.
Maximum: 6 years.
Competitive Interest Rates
Maybank offers the following fixed interest rates:
For RM5,000 to RM20,000: 8% per annum.
For RM20,001 to RM50,000: 7% per annum.
For RM50,001 to RM100,000: 6.5% per annum.
These rates ensure that your loan is both affordable and manageable.
Maybank London Residential Home Financing: Investment Opportunities in the UK
Maybank offers specialized London Residential Home Financing for those looking to invest in properties in London. Whether for personal use or as a real estate investment, Maybank’s package provides a reliable financing solution for overseas property ownership.
Financing Package for Maybank London Residential Home Financing
Margin of Financing:
Up to 80%: Cost-of-fund + 1.25% per annum.
Up to 60%: Cost-of-fund + 1.00% per annum.
Financing Amount:
Minimum Loan: £100,000.
Maximum Loan: £5,000,000.
This competitive margin and interest rate structure make investing in London real estate an attractive opportunity.
Key Features of Maybank London Residential Home Financing
Type of Facility
Term Loan.
Currency
GBP (British Pounds) only.
Rent Collection Account
Borrowers must open a Rent Collection Account at Maybank London. Rental proceeds from the mortgaged property will be deposited into this account, and repayments will be made directly from it.
Contact Maybank Berhad for Personal Financing and Loan Applications
For more information on Maybank’s personal loans, Islamic financing, or London Residential Home Financing, feel free to contact Maybank directly. Their customer service team is available to assist with all your loan inquiries and applications.
Contact Information:
Malayan Banking Berhad Menara Maybank, 100, Jalan Tun Perak, 50050 Kuala Lumpur, Malaysia
Maybank’s Islamic Personal Financing-i (MIPF-I) and Personal Loans offer competitive interest rates, flexible repayment terms, and quick approval. With no hidden fees and no collateral required, Maybank provides an affordable and reliable solution for your financial needs.
For those looking to invest in London real estate, Maybank’s London Residential Home Financing offers excellent financing options to help you achieve your property investment goals.
Whether you’re consolidating debt, funding a personal project, or making a significant property investment, Maybank’s loan products are designed to suit a variety of needs with competitive terms. For repayment table, click here.
Maybank Islamic Personal Financing-i: Summary
Article Title: Maybank Islamic Personal Financing-i
Category: #Bank #Maybank #Islamic #PersonalLoan
Purpose: #Promotion
Bank Personal Loans
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
BSN Personal Financing BSN Personal Loan offers competitive interest rates and financing options of up to RM200,000 for both public and private sector employees in…
Alliance Bank Personal Loans Get financial help with low interest rates and minimal extra fees through Alliance Bank Personal Loans. Enjoy an exclusive rate of…
Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
RHB Bank offers financing up to RM150,000 with no guarantor required. Available for government, private sector, and selected GLC employees. It’s simple, quick, and hassle-free. Learn here to apply today!
RHB Personal Loan for Government Servants
RHB Personal Financing-i is designed to provide government employees with access to affordable financing at low rates and flexible repayment terms.
Key Features of RHB Personal Financing for Government Servants:
Loan Amount: From RM2,000 to RM150,000.
Repayment Tenure: Flexible options from 2 to 10 years.
Promotion Rate: Starting from as low as 4.20% (flat rate).
No Advance Payment required.
No Guarantor needed.
Terms and Conditions apply.
RHB Personal Financing-i for the Private Sector
RHB offers fast and convenient Personal Financing-i for employees in the private sector, providing an easy solution to immediate financial needs.
Features and Benefits:
Loan Amount: Up to RM150,000.
Repayment: Affordable monthly repayments starting as low as RM57.54.
Tenure: Flexible tenure options up to 7 years.
On-the-spot Approval and Disbursement.
Debt Consolidation options available for managing existing loans.
Terms and Conditions for RHB Personal Financing
Eligibility for Private Sector Financing:
Profit Rate: Starting from as low as 8.18% p.a. (equivalent to 15% p.a. flat).
Loan Amount: From RM2,000 to RM150,000.
Instant Approval and Disbursement.
Repayment Tenure: Flexible terms ranging from 1 to 7 years.
Repayment Options:
Self-payment or Auto-debit available.
Debt Consolidation option to streamline multiple loan repayments.
RHB Personal Financing Tiers
RHB offers different financing tiers based on loan amount and repayment duration. Here’s a breakdown of the available options:
Tier 1: Financing of RM2,000 – RM10,000
Interest Rate: 13.45% p.a. flat (equivalent to 24% EIR).
Maximum Tenure: 5 years.
Tier 2: Financing of RM11,000 – RM50,000
Interest Rate: 11.66% p.a. flat (equivalent to 21% EIR).
Maximum Tenure: 7 years.
Tier 3: Financing of RM51,000 – RM99,000
Interest Rate: 9.91% p.a. flat (equivalent to 18% EIR).
Maximum Tenure: 7 years.
Tier 4: Financing of RM100,000 – RM150,000
Interest Rate: 8.18% p.a. flat (equivalent to 15% EIR).
Maximum Tenure: 7 years.
Why Choose RHB Personal Financing?
Flexible Loan Amounts: From RM2,000 to RM150,000.
Affordable Monthly Repayments: Starting from as low as RM57.54/month.
Long Repayment Tenure: Up to 7 years.
Competitive Interest Rates: Starting from 8.18% p.a. (flat rate, equivalent to 15% EIR).
Take control of your financial goals and enjoy RHB Personal Financing‘s competitive rates, easy repayment terms, and flexible financing options.
Contact RHB Bank
To learn more or apply for RHB Personal Financing, visit the nearest RHB Bank branch or contact our customer service team:
Address: Ground Floor, RHB Bank Centre, 426, Jln Tun Razak, Kelab Golf di Raja Selangor, 50400 Kuala Lumpur.
Customer Service:
Phone: 03-9206 8118
Fax: 03-9281 3030
Email: customer.service@rhbgroup.com
Additional Tips for a Smooth Application:
Ensure all required documents are ready to avoid delays.
Review the loan terms thoroughly before applying.
RHB Personal Loans offer flexibility, affordability, and quick access to funds. Whether you are a government servant or a private sector employee, RHB’s range of personal financing options is designed to meet your financial needs. Apply today and take the first step towards securing your financial future!
RHB Bank Personal Loan: Summary
Article Title: RHB Bank Personal Loan
Category: #Bank #RHB #PersonalLoan
Purpose: #Promotion
Bank Personal Loans
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
BSN Personal Financing BSN Personal Loan offers competitive interest rates and financing options of up to RM200,000 for both public and private sector employees in…
Alliance Bank Personal Loans Get financial help with low interest rates and minimal extra fees through Alliance Bank Personal Loans. Enjoy an exclusive rate of…
Maybank Islamic Personal Financing-i (MIPF-I) Make life brighter with the Maybank Islamic personal financing-i (MIPF-I). Get financing of up to RM100,000, with monthly repayments starting…
Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Bank Islam offers the best personal loan financing up to RM300,000 with Takaful coverage. Choose between flat rate or floating rate, and enjoy the benefit of no guarantor required. Apply now and secure your financial future with ease!
Personal Financing-i Programme for Medical Practitioners
If you’re a medical professional looking for a personal loan that fits your specific needs, Bank Islam’s Personal Financing-i Programme for Medical Practitioners is a great option. This program is designed to offer flexible loan amounts, competitive rates, and easy repayment terms.
Loan Amount and Repayment Period
Loan Amount: You can borrow from a minimum of RM10,000 to a maximum of RM300,000 depending on your eligibility.
Repayment Period: Choose a repayment period that works for you—1 to 10 years (up to 120 months), or until you reach retirement age, whichever comes first.
Financing Rates with Takaful Coverage
Bank Islam offers two types of financing rates under this programme, with the option to include Takaful coverage for added security.
Flat Rate:
1-10 years: 4.99% per annum (calculated monthly using the “Sum of Digit” method).
Floating Rate (Base Rate [BR]):
1-3 years: Base Rate (BR) + 1.90% per annum (calculated daily using the “Monthly Rest” method).
4-10 years: Base Rate (BR) + 2.00% per annum (calculated daily using the “Monthly Rest” method).
Updated Base Rate (since May 12, 2020): 2.77% per annum.
Financing Rates Without Takaful Coverage
If you prefer not to include Takaful coverage, here’s the alternative rate option:
Flat Rate:
1-10 years: 5.99% per annum (calculated monthly using the “Sum of Digit” method).
Floating Rate (Base Rate [BR]):
1-3 years: Base Rate (BR) + 3.38% per annum (calculated daily using the “Monthly Rest” method).
4-10 years: Base Rate (BR) + 5.28% per annum (calculated daily using the “Monthly Rest” method).
Updated Base Rate (since May 12, 2020): 2.77% per annum.
Bank Islam Personal Financing-i Non-Package
If you’re looking for more flexibility, Bank Islam’s Personal Financing-i Non-Package is an excellent choice. This option offers loans up to RM150,000 with straightforward terms.
Loan Amount
Minimum: RM10,000
Maximum: RM150,000
For loans over RM30,000, you will need a guarantor.
Repayment Period
Maximum: 120 months (10 years), or until retirement age, whichever is earlier.
Financing Rates with Takaful Coverage
Flat Rate:
1-3 years: 6.0% per annum
4-8 years: 6.8% per annum
9-10 years: 7.0% per annum
Financing Rates Without Takaful Coverage
Flat Rate:
1-3 years: 7.0% per annum
4-8 years: 7.8% per annum
9-10 years: 8.0% per annum
Advance Payment
The advance payment required is equivalent to 2 months’ installment.
Personal Financing Takaful Plan
The Personal Financing Takaful Plan is optional but can provide added security for your loan.
Benefits of the Takaful Plan:
No hidden charges: Everything is clear and upfront.
Fixed selling price: Know the total amount you’ll pay from the start.
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
BSN Personal Financing BSN Personal Loan offers competitive interest rates and financing options of up to RM200,000 for both public and private sector employees in…
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RHB Bank Personal Loan RHB Bank offers financing up to RM150,000 with no guarantor required. Available for government, private sector, and selected GLC employees. It’s…
Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
The University of Malaya Cooperative Bookshop Ltd, also known as Koperasi Kedai Buku Universiti Malaya Berhad, offers a wide range of books and stationery available for purchase. Catering to university staff, students, and the public, we provide convenient access to essential educational materials and supplies. Visit us today to explore our collection!
About UM Cooperative Bookshop Ltd
UM Cooperative Bookshop Ltd, also known as Koperasi Kedai Buku Universiti Malaya Berhad, is a well-established bookshop that serves the academic community of the University of Malaya (UM) as well as the general public. Located on the university campus, it provides a broad range of books, stationery, and educational resources to meet the diverse needs of students, staff, and visitors.
A Wide Range of Books and Stationery
The UM Cooperative Bookshop Ltd offers a comprehensive selection of books in various genres, including:
Academic and Textbooks: Essential reading materials for students and faculty members.
Reference Books: Books to support research and higher learning.
Fiction Books: A collection of novels and literary works for recreational reading.
Magazines: Keep up with the latest trends, news, and topics with various magazine subscriptions.
In addition to books, the bookshop also offers a wide range of stationery and educational materials, catering to the needs of both students and professionals.
Special Books Inquiries Service
The Special Books Inquiries service at UM Cooperative Bookshop Ltd is available to help staff, students, and the public track down rare, specialty, or hard-to-find books. Whether you’re searching for a specific title or niche academic work, the Co-op Bookshop’s team is ready to assist with inquiries and ensure that you get the books you need.
Local and Overseas Publication Orders
UM Cooperative Bookshop Ltd also facilitates orders for local and overseas publications. Whether you’re looking for textbooks, journals, or publications from international authors, the bookshop can arrange for these books to be imported and delivered.
Other Services Offered by UM Cooperative Bookshop Ltd
In addition to the primary services, UM Cooperative Bookshop Ltd provides a wide array of other services to cater to the different needs of the UM community:
Medical Branch – Medical Books
The bookshop’s Medical Branch specializes in books related to the medical field, offering a wide selection of medical textbooks, reference materials, and educational resources for medical students and professionals.
Intan Co-op – Management and Business Books
For those interested in business, management, and administration, the Intan Co-op section offers a collection of books tailored for students and professionals in these fields.
PekanBuku (Shah Alam)
Located in Shah Alam, the PekanBuku offers a variety of books and educational materials, providing an additional location for those in the surrounding areas.
Pekansiswa A – Groceries and Stationery
Pekansiswa A is a section of the cooperative where you can find groceries, stationery, magazines, and souvenirs for daily needs, perfect for students and staff alike.
Books, Journals, and Serials Ordering Store
This service allows for bulk purchases of books, journals, and serials, making it ideal for university departments, research projects, and organizations that require large volumes of publications.
PekanSiswa Block G – Mini Market
Located at PekanSiswa Block G, this mini-market offers consumer goods, ranging from snacks to daily necessities, making it a convenient stop for everyone.
Electricom Shop – Consumer Electronics
The Electricom Shop offers a selection of electric consumer goods such as microwaves, TVs, handphones, and even computer repair services.
Literature Shop
The Literature Shop offers a range of books related to literature, offering students and book enthusiasts an in-depth collection to explore.
Science Bazaar – Snacks, Beverages, and Lab Supplies
At the Science Bazaar, you can find snacks and beverages as well as essential laboratory coats and goggles, catering specifically to the needs of science students.
Foundation in Science Shop
Located within the campus, the Foundation in Science Shop offers snacks, beverages, and laboratory coats and goggles for students in science-related programs.
Contact UM Cooperative Bookshop Ltd
For more information or to inquire about the services and products available, please contact the UM Cooperative Bookshop Ltd through the following details:
Address: 1st Floor Rumah Universiti, University of Malaya, Peti Surat 1127, Jalan Pantai Baru, 59700 Kuala Lumpur, MALAYSIA
We cover all koperasi across Malaysia, providing a wide range of products and services. Explore the options below to discover useful information and easily contact the koperasi that meets your needs. Unlock the benefits of various koperasi offerings available nationwide!
Pembiayaan Peribadi Koperasi Unikeb (UKM) Koperasi UKM menawarkan pembiayaan peribadi dengan kadar interest rendah dan mampu milik. Terbuka kepada semua anggota koperasi, dapatkan pinjaman peribadi…
UM Cooperative Bookshop Ltd The University of Malaya Cooperative Bookshop Ltd, also known as Koperasi Kedai Buku Universiti Malaya Berhad, offers a wide range of…
Pinjaman Peribadi Koperasi Ukhwah Malaysia Berhad Pinjaman Peribadi Koperasi Ukhwah Malaysia Berhad adalah pembiayaan tunai terbaik yang mesti anda mohon kerana mengikut prinsip syariah antarabangsa…
Pinjaman Peribadi Koperasi UTM Berhad KUTMB Koperasi Universiti Teknologi Malaysia Berhad (KUTMB) menawarkan pinjaman peribadi Al-Qard dan Al-Bainah kepada anggota dengan max Rm150,000. Mohon loan…
Pinjaman Peribadi Koperasi Tentera KT KATMB Pinjaman Peribadi Koperasi Tentera KT KATMB ditujukan kepada anggota tentera Angkatan Tentera Malaysia ATM dengan interest rendah dan loan…
Express Loan Koperasi Tentera KT KATMB Express Loan Koperasi Tentera KT KATMB provided express loan 1, 2 and 3 for various people and various purposes….
Personal Loan Koperasi Tentera KT KATMB Personal Loans Koperasi Tentera KT KATMB is a financing that specifically to armed force (anggota tentera Angkatan Tentera Malaysia…
Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Koperasi Tentera (KATMB) provides Express Loans 1, 2, and 3 for various individuals and purposes, with a maximum loan amount of RM200,000. Apply now!Learn more for details.
Koperasi Tentera KT KATMB – Express Financing 1
Specifications
Financing Amount: From RM600 up to a maximum of RM20,000.
Financing Tenure: From 6 months up to a maximum of 96 months.
Profit Rate: 3.65% per annum.
Processing Period: 1 working day.
Eligibility
The applicant’s length of service must exceed the financing tenure or repayment period.
Conditions
Repayment will include an additional charge of 0.85% per annum on the approved financing, which replaces the guarantor (using the Al Kafalah concept).
Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.
Service Charges
New financing: RM10
Overlap financing: RM20
Stamp duty: RM5 per one thousand ringgit or part thereof.
Koperasi Tentera KT KATMB – Express Financing 2
Specifications
Financing Amount: From RM500 up to a maximum of RM10,000.
Financing Tenure: From 6 months up to a maximum of 60 months.
Profit Rate: 3.65% per annum.
Processing Period: 1 working day.
Eligibility
The applicant’s length of service must exceed the financing tenure or repayment period.
Conditions
Repayment will include an additional charge of 0.85% per annum on the approved financing, which replaces the guarantor (using the Al Kafalah concept).
Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.
Service Charges
New financing: RM10
Overlap financing: RM20
Stamp duty: RM5 per one thousand ringgit or part thereof.
Koperasi Tentera KT KATMB – Express Financing 3
Express Financing 3 Specifications
Financing Amount: From RM600 up to a maximum of RM6,000.
Financing Tenure: From 6 months up to a maximum of 48 months.
Profit Rate: 4.25% per annum.
Processing Period: 1 working day.
Eligibility
The applicant’s length of service must exceed the financing tenure or repayment period.
Conditions
Repayment will include an additional charge of 0.85% per annum on the approved financing amount to replace the guarantor (using the Al Kafalah concept).
Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.
Service Charges
New financing: RM10
Overlap financing: RM20
Stamp duty: RM5 per one thousand ringgit or part thereof.
Note: For more information, visit the nearest Koperasi Tentera branch or contact the KT Customer Care Centre at 1-300-8000-58.
Koperasi Tentera KT (KATMB): Summary
Article Title: Koperasi Tentera KT (KATMB)
Category: #Koperasi #KATMB #PersonalLoan
Purpose: #Promotion
Koperasi Loan Promotions
Looking for an attractive koperasi loan offer? Check out our koperasi loan promotions now! Enjoy competitive interest rates, an easy application process, and quick approval. Click below to explore the options and choose the loan that fits your financial needs!
Alliance Bank Personal Loans Get financial help with low interest rates and minimal extra fees through Alliance Bank Personal Loans. Enjoy an exclusive rate of…
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Personal loans from Koperasi Tentera (KT) are financing options specifically for the armed forces (anggota tentera Angkatan Tentera Malaysia (ATM)). Get information about loans, procedures, cooperative contact numbers, and other details exclusively on our page!
Personal Loan Koperasi Tentera (KT)
You can apply for personal financing with Koperasi Tentera and enjoy great packages tailored for your needs.
Financing
Koperasi Tentera (KT) is your trusted choice for personal financing. Our Shariah-compliant banking solutions are designed to meet individual needs, guided by strong Islamic principles.
Personal Loan Koperasi Tentera (KT) – With Guarantors
Specifications for Personal Loans with Guarantors
Financing Amount: Maximum of RM200,000
Financing Tenure: From 6 months to a maximum of 120 months
Profit Rate: 5.65% per annum
Processing Period: 5 working days
Eligibility
The total amount borrowed does not exceed 20 times the applicant’s gross income (salary and fixed allowances) or 60% of total deductions allowed, whichever is lower.
Applicants must have paid an entry fee of RM10 (RM20 for re-entry), a minimum share capital of RM100, and 6 months’ fees, totaling RM180.
Guarantor Terms
For financing of up to RM15,000, one guarantor is required.
For financing above RM15,000, two guarantors are required.
Guarantors must be members of the cooperative and still on active duty with the Malaysian Armed Forces.
For Non-KEMENTAH Members, two Armed Forces personnel must act as guarantors.
Monthly Fee
For financing of up to RM15,000: RM30 per month
For financing between RM15,001 – RM200,000: RM40 per month
Service Charges
New financing: RM10
Overlap financing: RM50
CTOS/CCRIS Check: RM5/RM7
Stamp duty: RM5 per one thousand ringgit or part thereof
Personal Loan Koperasi Tentera (KT) – Without Guarantors
Specifications for Personal Loans without Guarantors
Financing Amount: Maximum of RM100,000
Financing Tenure: From 6 months to a maximum of 120 months
Profit Rate: 3.65% per annum
Processing Period: 5 working days
Eligibility
Armed Forces personnel or civil servants employed by the Ministry of Defence, who have been confirmed in service and hold permanent positions.
The applicant’s length of service must exceed the financing tenure or repayment period.
Restricted to members who have held their membership for 5 years or hold the rank of Lance Corporal and above, or equivalent.
Conditions
The total amount borrowed does not exceed 20 times the value of the applicant’s gross income (salary and fixed allowances) or 60% of total deductions allowed, whichever is lower.
Repayment will include an additional 0.85% charge per annum on the approved financing to replace the guarantor (Al Kafalah concept).
Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry).
Monthly Fee
For financing of up to RM15,000: RM30 per month
For financing between RM15,001 – RM100,000: RM40 per month
Service Charges
New financing: RM10
Overlap financing: RM50
CTOS/CCRIS Check: RM5/RM7
Stamp duty: RM5 per one thousand ringgit or part thereof
Koperasi Tentera Fees Financing
Specifications for Fees Financing
Financing Amount: From RM600 to a maximum of RM100,000 or 90% of the total accumulated fees (whichever is lower).
Financing Tenure: From 6 months to a maximum of 120 months.
Profit Rate: 5.65% per annum.
Processing Period: 3 working days.
Conditions
Cumulative fees collected will be used as collateral (Ar-Rahnu concept).
Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.
Monthly Fee
For financing of up to RM15,000: RM30 per month
For financing of RM15,001 and above: RM40 per month
Service Charges
New financing: RM10.00
Overlap financing: RM50.00
Stamp duty: RM5 per one thousand ringgit or part thereof
Note: For more information, visit the nearest Koperasi Tentera branch or contact the KT Customer Care Centre at 1-300-8000-58.
Koperasi Tentera (KT): Summary
Article Title: Koperasi Tentera (KT)
Category: #Koperasi #KATMB #PersonalLoan
Purpose: #Promotion
Koperasi Loan Promotions
Looking for an attractive koperasi loan offer? Check out our koperasi loan promotions now! Enjoy competitive interest rates, an easy application process, and quick approval. Click below to explore the options and choose the loan that fits your financial needs!
Alliance Bank Personal Loans Get financial help with low interest rates and minimal extra fees through Alliance Bank Personal Loans. Enjoy an exclusive rate of…
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Limited Offer Hotel and CoopUSMA Personal Loan Koperasi Warga USM (Universiti Sains Malaysia). The best financing with attractive interest rates, but also be able to stay at the USM Hotel named Kays Motel which is fully equipped. Kays Motel is located in front of HUSM Kelantan. And the journey to HUSM Kelantan only takes less than 5 minutes if you stay at Kays Motel.
Let’s get complete information about CoopUSMA Personal Loan and Kays Motel.
Apply CoopUSMA Personal Loan Koperasi Warga USM with low interest rate now.
Hotel CoopUSMA Personal Loan Koperasi Warga USM Summary
Koperasi Name: Koperasi Warga USM
Abbreviation / Code Name: CoopUSMA
Koperasi Promotion Name: Hotel CoopUSMA Personal Loan Koperasi Warga USM
Personal Loan Promotion Period: –
Open to: Government / Semi-Govt
Max Loan Amount: RM10k
CoopUSMA Personal Loan Promotion
The latest CoopUSMA Personal Loan promotion is one of the ways for you to make in-house financing if you are a USM employee. Applying for this financing is easy and fast.
If you are a government employee and interested in making a cooperative personal loan, you can apply with many cooperatives and financial institutions such as Yayasan Ihsan Rakyat YIR, Yayasan RCE Perlis, Coshare, Koperasi Gemilang and others.
To get a low interest rate, you can apply for a personal loan with Bank Muamalat Malaysia Berhad, MBSB Bank, Bank Rakyat, BSN and Al-Rajhi Bank. You should choose banks and cooperatives that have shariah and Islamic compliant products.
CoopUSMA Personal Loan Advantages
Among the advantages that you can enjoy if you apply for CoopUSMA Personal Loan are as follows:
Competitive profit rates as low as 4% per annum.
The maximum amount of financing is RM100,000.
Financing period 10 years.
Fresh loan is allowed.
CoopUSMA Personal Loan 1
4%
/p.a
Max loan amount RM100k
Max loan tenure is 5 years to enjoy 4% interest rate
Ideal for fresh loan
Overlap loan is allowed
Not encourage for overlap loan
CoopUSMA Personal Loan 2
6%
/p.a
Max loan amount RM100k
Loan tenure is 10 years
Interest rate only 6% per annum
Ideal for fresh loan and overlap loan
Hotel CoopUSMA
Kays Motel is one of the facilities if you have business or follow-up tretment at HUSM Kelantan. Among the facilities provided are as follows:
Air conditioner
Bathroom and hot and cold shower
Free Wi Fi
ASTRO line
Drinking facilities
Cold and hot water dispensers are also provided in the motel lobby free of charge
Room rental rates are also cheap, as low as RM60 per night. With a strategic location, Kays Motel is your choice when visiting Kelantan or if you have business or treatment at HUSM Kelantan.
Apart from being close to HUSM Kubang Kerian Kelantan, other benefits you can enjoy while staying at Kays Motel are as follows:
Close to Bandar Baru Kubang Kerian.
Close to Mydin Hypermarket, Nirwana Maju.
Banking is easy to do because it has a network of banks such as CIMB, Bank Islam, Bank Rakyat, RHB and BSN.
Can enjoy delicious food such as Pizza Hut, Dominos, and USM Cafe.
Info CoopUsma
Registered on 12 June 2000 under the name “Koperasi Kakitangan Universiti Sains Malaysia Kelantan Berhad (KKUSMKB)”. The name of the cooperative was changed to “Koperasi Warga Universiti Sains Malaysia Kelantan Berhad (KWUSMKB)” during the 2nd general meeting in 2002. And now it is rebranded as COOPUSMA.
Koperasi Warga USM Kelantan Berhad is wholly owned by Bumiputeras and runs cooperative businesses such as credit facilities (Bai Al-Einah personal loan), Coop Mart (Retail), Kopitiam Lestari (Food) and has a Child Development Complex (ECCE).
Apart from that, Koperasi Warga USM Kelantan Berhad COOPUSMA provides Health services (Ambulance, Sports Rehab & Home Care), building rental, Osmosis Lestari water factory and USM Hotel named Kays Exclusive Motel.
Other businesses it operates are in the field of real estate, building rental, E-Coopmart (E-Commerce platform) and has several wholly owned subsidiaries such as Pusat Dialysis Lestari and Farmasi Lestari Sdn. Bhd. Telipot Medical Center (TMC) Sdn. Bhd. is 51% owned by COOPUSMA and Nephrolife Dialysis Center (Capital Investment 49% cooperatives 51% individuals).
Are you eligible for 2022 Bank Muamalat Loan Company Panel List financial financing? By checking out a qualified panel company, you certainly have the opportunity to get a personal loan and enjoy many benefits and advantages in terms of financing amount, interest rate and others.
If previously only government employees and selected statutory bodies were eligible to make personal loans, now with the revision of the 2022 Bank Muamalat Loan Company Panel List it is easier for you not to be disappointed when hearing the bank’s answer rejecting your financing application
More than 500+ listed 2022 Bank Muamalat Loan Company Panel List to enjoy personal loan.
2022 Bank Muamalat Loan Company Panel List Summary
Bank Name: Bank Muamalat Malaysia Berhad
Abbreviation / Code Name: BMMB
Bank Promotion Name: 2022 Bank Muamalat Loan Company Panel List
Personal Loan Promotion Period: 2022 onwards
Open to: Government / Semi-Govt / State Govt / Panel Company
You can call us at 019-2983056 (Whatsapp, SMS or Call). In addition, you can check on this page to get the information you requested.
2022 Bank Muamalat Loan Company Special Rate
Specially for those who work at PR1MA Malaysia Corporation, Venture Tech, HDC, MBSB Bank and Port Klang Malaysia, you can enjoy the following special rates:
The best Bank Muamalat financing with max loan RM400,000.
Financing period up to 10 years.
Mortgage up to 100% financing.
Vehicle financing products up to 100% financing.
2022 Bank Muamalat Loan Company Panel List Advantages
Among the advantages that you can enjoy if you apply for 2022 Bank Muamalat Loan Company Panel List are as follows:
Very competitive profit rates by Bank Mualamat from 2.45%
Fast approval process of 3-5 working days.
The maximum amount of financing is RM400,000.
Flexy financing period 2-10 years.
Fresh loan is allowed.
Applicants with blacklisted records CCRIS CTOS are encouraged to apply.
Payout 70% from total financing.
2022 Bank Muamalat Loan Company Interest Repayment Table and Application Form
The following is an eligible list of 2022 Bank Muamalat Loan Company Panel List. There are more than 500 companies comprising government agencies, selected statutory bodies and eligible private companies. Please find the list of company panels below.
Government
Ministry of Finance (Incorporated)
Khazanah Nasional Berhad
Employees Provident Fund (KWSP)
Lembaga Tabung Haji (TH)
Kumpulan Wang Amanah Pencen (KWAP)
Permodalan Nasional Berhad (PNB)
Lembaga Tabung Angkatan Tentera (LTAT)
Agensi Inovasi Malaysia
Agensi Kelayakan Malaysia
Akademi Sains Malaysia
Fama Corporation Sdn Bhd
Indah Water Konsortium
Bank Negara Malaysia (BNM)
Lembaga Kemajuan Wilayan Pulau Pinang (PERDA)
Chief Minister of Penang (Incorporated)
Lembaga Lebuhraya Malaysia (LLM)
Felcra Berhad
Perbadanan Kemajuan Kraftangan Malaysia
Permodalan Kelantan Berhad
Perbadanan Menteri Besar Kedah
Perbadanan Menteri Besar kelantan
Perbadanan Baitulmal Negeri Sabah
SIRIM Berhad
Universiti Malaysia Pahang
Universiti Utara Malaysia (UUM)
Universiti Malaysia Perlis
Universiti Sains Malaysia (USM)
Suruhanjaya Koperasi Malaysia
Suruhanjaya Koperasi dan Multimedia Malaysia
Suruhanjaya Syarikat Malaysia (SSM)
Suruhanjaya Sekuriti
Tekun Nasional
Suruhanjaya Hak Asasi Manusia
Suruhanjaya Persaingan Malaysia
Company & GLC
Axiata Group Berhad
Bina Darulaman Berhad
Bintulu Port Holdings Bhd
Bursa Malaysia Berhad (BSKL Kamariah dah Resign)
Gamuda Berhad
IJM Corporation Berhad
Malaysia Airline System Berhad
MISC Berhad
Petronas Dagangan Berhad
Petronas Gas Bhd
Petronas Chemical Bhd
Petronas Chemical Group
Pharmaniaga Berhad
MRCB Berhad
Sime Darby Berhad
Sime Darby Plantation Berhad
Sime Darby Property Berhad
SP Setia Berhad
Takaful Malaysia
Perodua Engine Manufacturing Sdn Bhd
Perodua Manufacturing Sdn Bhd
Perodua Sales Sdn Bhd
Puspakom Sdn Bhd
Putri Specialist Hospital Sdn Bhd
Padiberas Nasional Berhad
Pelabuhan Tanjung Pelepas Sdn Bhd
Sabah Port Sdn Bhd
Glenmarie Gold and Country Club
Edaran Otomobil Nasional Berhad
Kijang Kuari Sdn Bhd
Sedafiat Sdn Bhd
Rangkaian Teratai Sdn Bhd
Lembaga Pertubuhan Peladang (LPP)
Lembaga Totalisator Malaysia
Majlis Agama Islam Negeri (MAINS)
Lembaga Perusahaan Timah
Majlis Agama Islam Wilayah Persekutuan (MAIWP)
Melaka State Development Corporation
Pahang State Development Corporation
Penang State Development Corporation
Perak State Development Corporation
Perbadanan Putrajaya
Perbadanan Stadium Malaysia
Company & GLC
Telekom Malaysia
Tenaga Nasional Berhad (TNB)
UEM Group
UEM Sunrise Berhad
UEM Holdings Berhad
Velesto Berhad (formerly known as UMW Oil and Gas)
Let’s apply for a 2022 Bank Muamalat Personal Loan Low Interest that is eligible to make financing. The organization consists of the government and the bank’s panel company. Let’s take a look at the list of organizations that are eligible to apply for Bank Muamalat personal loans. If you are interested in applying, feel free to contact us immediately.
Grab the best 2022 Bank Muamalat Personal Loan Low Interest now. Limited offer.
2022 Bank Muamalat Personal Loan Low Interest Summary
Bank Name: Bank Muamalat Malaysia Berhad
Abbreviation / Code Name: BMMB
Bank Promotion Name: 2022 Bank Muamalat Personal Loan Low Interest
Personal Loan Promotion Period: 2022 onwards
Open to: Government / Semi-Govt / State Govt / Panel Company
Max Loan Amount: RM400k
Who is eligible to apply for this Bank Muamalat 2022 personal loan?
It is open to all civil servants and bank panel companies that are on the list of organizations.
2022 Bank Muamalat Personal Loan Low Interest
In the past, banks and cooperatives were more focused on government employees to provide financial financing. But right now, 2022 Bank Muamalat Personal Loan Low Interest welcomes civil servants and bank panel companies to apply for personal financing. With a maximum financing of RM400k, all your financial problems will be solved in the blink of an eye. Regardless of whether your name is not blacklisted or has been blacklisted by banking systems such as CTOS, CCRIS, SPIKA and so on, now you can borrow without hesitation.
The bank will settle the blacklisted debt so that the borrower is eligible to apply for a new loan.
2022 Bank Muamalat Personal Loan Low Interest Advantages
Among the advantages that you can enjoy if you apply for 2022 Bank Muamalat Personal Loan Low Interest are as follows:
Competitive profit rates from 2.45%
Fast approval process of 3-5 working days.
The maximum amount of financing is RM400,000.
Flexy financing period 2-10 years.
Fresh loan is allowed.
Applicants with blacklisted records CCRIS CTOS are encourage to apply.
Monthly
2.45% (Clean)
/p.a
Max loan up to RM400k
Loan tenure 2-10 years
No blacklist CCRIS CTOS
Overlap is allowed
Basic salary RM3,000
60% deduction
Auto debit or pay slip salary deduction
Blacklist name will transfer to 3.69%
Annual
3.69% (Blacklisted)
/p.a
Max financing RM400K
Loan tenure 2-10 years
CCRIS CTOS is eligible. Bank will settle your blacklist
Basic salary RM3,000
Minimum document needed
Auto debit or pay slip salary deduction
Cannot bankruptcy
2022 Bank Muamalat Personal Loan Low Interest Repayment Table
Please refer below to get the latest monthly installment.
Repayment Table 2022 Bank Muamalat Personal Loan to Organization for government and bank’s eligible panel companies.
2022 Bank Muamalat Personal Loan Low Interest Download Loan Form
You can use the form below and submit to us with completed supporting documents.
Download e Form
Apply Personal Loan 2022 Bank Muamalat Personal Loan Low Interest
Apart from 2022 Bank Muamalat Personal Loan Low Interest, we also provide personal loan services such as Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), Bank Rakyat financing, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank and others for your convenience. Contact us for information such as the latest promotional packages, the latest profit rates and the maximum amount of financing. The services offered are:
Fresh personal loan: The loan eligibility limit is calculated based on the strength of your pay slip i.e. basic salary, fixed allowance and the total deduction in the pay slip. Deduction of 60%, 50% or 40% of the total income. You can open an account for the first time with a bank or cooperative, a second account, a third account and so on.
Overlap personal loan: Where you use an existing financing account and apply to get cash in hand instantly. Increasing the financing amount means you may or may not increase the monthly installment payment or the original financing amount. Just take the full settlement statement and overlap with other banks/ cooperatives of your choice.
How to Apply for a 2022 Bank Muamalat Personal Loan Low Interest?
To apply 2022 Bank Muamalat Personal Loan Low Interest, Simply send the latest salary slip to the personal loan hotline 019-2983056 now! Click the phone number button above for more info.
2022 Kuwait Finance House Personal Loan Payout 100%
Enjoy 2022 Kuwait Finance House Personal Loan Payout 100% with loan amount up to RM200,000. Interest rate only 3.88% per annum. Salary deduction. Fresh loan or overlap. Apply now!
Why apply with 2022 Kuwait Finance House Personal Loan? Because it offers Payout 100% and interest rate just 3.88%
2022 Kuwait Finance House Personal Loan Payout 100% Summary
Bank Name: Kuwait Finance House
Abbreviation / Code Name: KFH
Bank Promotion Name: 2022 Kuwait Finance House Personal Loan Payout 100%
Personal Loan Promotion Period: 2022 onwards
Open to: Government including Police (PDRM staff)
Max Loan Amount: RM200k
2022 Kuwait Finance House Personal Loan Payout 100%
The waiting is over for you to get 100% payout. Now you can either get this deal right away before it ends soon. Process by Coshare
2022 Kuwait Finance House Personal Loan Payout 100% and interest rate just 3.88% p.a.
2022 Kuwait Finance House Personal Loan Payout 100% Advantages
Among the advantages that you can enjoy if you apply for 2022 Kuwait Finance House Personal Loan Payout 100% are as follows:
Competitive profit rates only 3.88% flat rate.
The maximum amount of financing is RM200,000.
Financing period from 2-10 years.
Fresh loan is allowed.
Customer who like to overlap loan is encourage to apply.
Payment via salary deduction (on pay slip).
Easy documentation.
KFH Criteria – Cost of Living
Cost of Living = RM 1,000+
Total Income < RM 3,000, DSR 60%
Total Income RM 3,001 – RM 5,000, DSR 70%
Total Income> RM 5,001+, DSR 80%
KFH Criteria – Loan Amount
Loan can be applied = RM 10,000 – RM 200,000 (must settle the old Coshare account if the customer has a Coshare loan under KFH fund).
KFH Criteria – Payment Period
Payment period = 2 – 10 years
Monthly
3.88%
/p.a
Payout 100%
Max loan RM200k
Overlap is allowed
Lowest interest rate in the market
Salary deduction
2-10 years loan tenure
DSR Criteria
$485
/p.a
Total Income < RM 3,000, DSR 60%
Total Income RM 3,001 – RM 5,000, DSR 70%
Total Income> RM 5,001+, DSR 80%
2022 Kuwait Finance House Personal Loan Payout 100% Application Form
You can download e-form and submit to us. Please refer below:
Download e Form
What Document are Required for KFH Loan?
Required documents:
IC & police ID (if any) colored have – WhatsApp.
Anm & HRMIS password (customers must print their own HRMIS if they are police officers).
Copy of payroll bank account (COMPULSORY).
Option letter for customers aged 43 and above.
Confirmation letter
Apply 2022 Kuwait Finance House Personal Loan Payout 100%
Apart from 2022 Kuwait Finance House Personal Loan Payout 100%, we also provide personal loan services such as Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), Bank Rakyat financing, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank and others for your convenience. Contact us for information such as the latest promotional packages, the latest profit rates and the maximum amount of financing. The services offered are:
Fresh personal loan: The loan eligibility limit is calculated based on the strength of your pay slip i.e. basic salary, fixed allowance and the total deduction in the pay slip. Deduction of 60%, 50% or 40% of the total income. You can open an account for the first time with a bank or cooperative, a second account, a third account and so on.
Overlap personal loan: Where you use an existing financing account and apply to get cash in hand instantly. Increasing the financing amount means you may or may not increase the monthly installment payment or the original financing amount. Just take the full settlement statement and overlap with other banks/ cooperatives of your choice.
How to Apply for a Personal Loan 2022 Kuwait Finance House Personal Loan Payout 100%?
To apply 2022 Kuwait Finance House Personal Loan Payout 100%, Simply e-mail your latest pay slip to info@personalfinancingloan.com.
Hashtag / Keywords
#personalloan #Bank #KuwaitFinanceHouse #Coshare
Contact 2022 Kuwait Finance House Personal Loan Payout 100%
Koperasi KAKIB 2022 Personal Loan Micro Credit provides various types of cash financing to cooperative members at special rates. Let’s get info on this.
Apply now for Koperasi KAKIB 2022 Personal Loan Micro Credit. Lowest interest rate available.
Koperasi KAKIB 2022 Personal Loan Micro Credit Summary
Bank Koperasi Name: Koperasi Kakitangan Kerajaan Ipoh Berhad
Abbreviation / Code Name: Koperasi KAKIB
Bank Koperasi Promotion Name: Koperasi KAKIB 2022 Personal Loan Micro Credit
Personal Loan Promotion Period: 2022 until year end
Open to: Government
Max Loan Amount: RM100k
Koperasi KAKIB Personal Loan
Provides cash financing known as Koperasi KAKIB 2022 Personal Loan Micro Credit and is open to cooperative members consisting of government employees.
There are four (4) types of financing offered including:
Personal financing
Credit financing
Business Financing
Miscellaneous Financing
The location is in Bandar Ipoh, Perak to facilitate any business.
Other Services
Apart from providing personal loans, Koperasi Kakib 2022 has subsidiaries in the field of tourism such as umrah packages and traveling abroad at affordable prices.
The Koperasi KAKIB 2022 also provides a death charitable scheme and provides compensation to members and immediate family members who have died.
If any of the members’ children succeed in obtaining excellent examination results, Koperasi KAKIB 2022 also gives cash rewards to the member’s biological children, stepchildren or adopted children.
Koperasi KAKIB 2022 Personal Loan Micro Credit Advantages
Among the advantages that you can enjoy if you apply for Koperasi KAKIB 2022 Personal Loan Micro Credit are as follows:
Very low interest rates only 3.9% per annum.
The maximum amount of financing is RM100,000.
Financing period 10 years or 120 months.
You can buy your dream house, car, electric appliance and house renovation.
Apply Personal Loan Koperasi KAKIB 2022 Personal Loan Micro Credit
Apart from Koperasi KAKIB 2022 Personal Loan Micro Credit, you can also apply for a personal loan from Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), Bank Rakyat financing, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank and others. Contact us for information such as the latest promotional packages, the latest profit rates and the maximum amount of financing. The services offered are:
Fresh personal loan: The loan eligibility limit is calculated based on the strength of your pay slip i.e. basic salary, fixed allowance and the total deduction in the pay slip. Deduction of 60%, 50% or 40% of the total income. You can open an account for the first time with a bank or cooperative, a second account, a third account and so on.
Overlap personal loan: Where you use an existing financing account and apply to get cash in hand instantly. Increasing the financing amount means you may or may not increase the monthly installment payment or the original financing amount. Just take the full settlement statement and overlap with other banks/ cooperatives of your choice.
How to Apply for a Koperasi KAKIB 2022 Personal Loan Micro Credit?
To apply Koperasi KAKIB 2022 Personal Loan Micro Credit or other bank and cooperative, all you need to do is to get approval from your office and department and get back to us.
Hashtag / Keywords
#personalloan #personalfinancing #koperasi #Kakib
Contact Koperasi KAKIB 2022 Personal Loan Micro Credit
Tel: 05-2540707/05-2535369
Building Cooperative Berhad Ipoh Government Members 111B, Jalan Datuk Onn Jaafar, Kampung Jawa, 30300 Ipoh, Perak
2022 KOBANAS Financing Koperasi Kakitangan BSN offers attractive cash packages to cooperative members. Let’s see what attractive cash packages are on offer.
Get the latest info for 2022 KOBANAS Financing Koperasi Kakitangan BSN with new and latest packages.
Vehicle insurance and takaful products are the main activities of KOBANAS but there are also great financing services offered for 2022 KOBANAS Financing Koperasi Kakitangan BSN such as the following cash packages:
Tourism financing
Emergency financing
Insurance renewal and road tax financing
Cash welfare financing
Consumer financing
Festive financing
School financing
Special Promotions
Apart from the cash loan categories offered above, KOBANAS also offers the latest financing schemes for 2022 as follows:
Charitable Financing (popular)
Emergency Financing (popular)
80% Financing on Member Contributions (new)
COVID-19 Special Financing (new)
Share Backing Financing and Contributions (new)
Unsecured Financing (new)
COVID-19 Special Financing (new)
Max financing amount RM5,000
Financing period up to 5 years
Does not require a guarantor
Unsecured Financing (new)
The 2022 KOBANAS Financing Koperasi Kakitangan BSN financing scheme allows you to borrow up to RM30,000 without a guarantor and the financing period is between 5 to 10 years depending on the number of years of membership.
You can get more information by calling the number and address as listed below.
Among the advantages that you can enjoy if you apply for 2022 KOBANAS Financing Koperasi Kakitangan BSN are as follows:
Competitive profit rates from 6.50%.
Financing up to RM50,000 depends of packages you choose.
Fast approval process of 3-5 working days.
Financing period up to 10 years.
Net salary not more than 40%.
With and without guarantor.
Tourism Loan
6.50%
/p.a
Max loan RM10k
Up to 5 years loan tenure
Max loan up to RM10k
Requires a guarantor
Emergency Loan
6.50%
/p.a
Loan up to RM10,000
Flexy loan tenure up 1-3 years
Required a guarantor
Road Tax Loan
6.50%
/p.a
Financing up to RM2,000
Road tax + insurance coverage
1 year repayment
Requires a guarantor
Welfare Cash Loan
6.50%
/p.a
Max loan RM50k
1-10 years loan tenure
Most popular financing
Requires a guarantor
Payout 95%
Consumer Loan
6.50%
/p.a
Loan up to RM15,000
Loan tenure from 1-5 years
Required a guarantor
Payout 100% from total loan
Hari Raya Loan
6.50%
/p.a
Financing up to RM3,000
Get extra money for festive season
1 year repayment
Requires a guarantor
Apply Personal Loan 2022 KOBANAS Financing Koperasi Kakitangan BSN
We provide personal loan 2022 KOBANAS Financing Koperasi Kakitangan BSN services for your convenience. Contact us for information such as the latest promotional packages, the latest profit rates and the maximum amount of financing. The services offered are:
Fresh personal loan: The loan eligibility limit is calculated based on the strength of your pay slip i.e. basic salary, fixed allowance and the total deduction in the pay slip. Deduction of 60%, 50% or 40% of the total income. You can open an account for the first time with a bank or cooperative, a second account, a third account and so on.
Overlap personal loan: Where you use an existing financing account and apply to get cash in hand instantly. Increasing the financing amount means you may or may not increase the monthly installment payment or the original financing amount. Just take the full settlement statement and overlap with other banks/ cooperatives of your choice.
You can also apply for a personal loan from Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), Bank Rakyat financing, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank and others.
How to Apply for a 2022 KOBANAS Financing Koperasi Kakitangan BSN?
To apply 2022 KOBANAS Financing Koperasi Kakitangan BSN, Simply send the latest salary slip to the personal loan hotline 019-2983056 now! Click the phone number button above for more info.
Yayasan Ihsan Rakyat (YIR) Personal Loan – Your Trusted Financing Solution!
Yayasan Ihsan Rakyat (YIR) offers the personal loan you need with easy application for permanent staff who have been working for at least 1 year. Don’t miss out on this opportunity! Get the details now and apply today!
Shariah-Compliant Solutions for Your Financial Needs
If you’re looking for a reliable, fast, and ethical solution to manage your financial difficulties, Yayasan Ihsan Rakyat (YIR) offers the best personal loan options tailored to your needs. Whether it’s for renovating your home, pursuing your children’s education, expanding your business, or managing healthcare expenses, YIR provides financing services with a unique set of advantages that make them your top choice.
Why Choose Yayasan Ihsan Rakyat Personal Loan?
Yayasan Ihsan Rakyat is proud to offer personal loan products that are fully Shariah-compliant, ensuring that your financial journey aligns with Islamic principles. With transparent processes and competitive profit rates, YIR is committed to delivering a reliable financial solution for you and your family. Here’s why choosing YIR for your personal loan is a smart decision:
Shariah-Compliant Financing: YIR’s personal loan products are structured to ensure full adherence to Islamic law, offering a worry-free financial solution for those seeking ethical options.
Fast Processing & Disbursement: Get your financing quickly with approvals within 3-5 working days and funds disbursed in as little as 48 hours.
Competitive Profit Rates: Enjoy low profit rates ranging from 6.50% to 9.99% for up to 10 years, depending on your eligibility.
Clear and Transparent Process: With a contract call (panggilan akad), you will be guided through every step, from loan approval to disbursement, ensuring clarity and peace of mind.
Key Financing Options Offered by Yayasan Ihsan Rakyat
Yayasan Ihsan Rakyat offers personal loan services for a variety of needs, including but not limited to:
Home Renovation: Improve your living space with the financing you need for renovations and upgrades.
Education: Support your children’s education or further your own studies with a loan that meets your educational needs.
Business Expansion: Kickstart or grow your business with the necessary funding.
Healthcare: Cover medical expenses, purchase equipment, or undergo treatment without the financial burden.
Umrah / Hajj: Make your religious journey possible with financing tailored for Umrah or Hajj expenses.
Debt Consolidation: Manage multiple loans with ease by consolidating them into one manageable financing option.
Special Features and Benefits of YIR Personal Loans
Fast Approval and Disbursement: Get approved within 3-5 working days and disbursement within 48 hours.
No Initial Settlement Statement Required: YIR makes the application process easy and straightforward without the need for a complicated settlement statement.
Flexible Loan Amounts: Access financing up to RM200,000, depending on your eligibility.
High Rebate for In-house Overlap: If you have an existing loan with YIR, in-house overlap comes with a significant rebate, making it more economical for you.
Accepting Applicants with Blacklisted Records: YIR encourages applicants with CCRIS or CTOS blacklists to apply, offering solutions to clear their names and improve financial standing.
No Guarantor Required: Certain loan options do not require a guarantor, simplifying the process further.
YIR Personal Loan Options: Tailored to Your Needs
Yayasan Ihsan Rakyat offers three flexible interest rate options to cater to different financial situations:
6.50% Monthly Rate:
No blacklist (CCRIS/CTOS)
Max loan up to RM100,000
Overlap is allowed
7.99% Monthly Rate:
Eligible for CCRIS/CTOS applicants
Max financing up to RM200,000
Fast approval within 5 working days
Minimal documentation required
9.99% Monthly Rate:
Designed for high blacklist cases
Financing period up to 10 years
No guarantor needed
Ideal for clearing blacklist records
How to Apply for Yayasan Ihsan Rakyat Personal Loan?
To apply for a YIR personal loan, simply follow these easy steps:
Initial Inquiry: Contact YIR’s customer service team at the details below or visit their office for more information.
Loan Application: Submit your required documents and apply for the loan that fits your needs.
Approval and Contract Call (Panggilan Akad): Once your application is approved, YIR’s contract officer will guide you through the approval process, including details on your loan amount, monthly installments, and disbursement.
Disbursement: After you agree to the terms, YIR will transfer the approved funds into your bank account, typically within 48 hours.
Contact Yayasan Ihsan Rakyat Today
For more information or to begin your application process, feel free to reach out to Yayasan Ihsan Rakyat:
Phone: 03 – 4047 0888
Fax: 03 – 4047 0856
Email: pertanyaan@yir.com.my
Visit us at:
Yayasan Ihsan Rakyat Lot 33.01-02, Tingkat 33 Sunway Putra Tower, 100, Jalan Putra, 50350 Kuala Lumpur
Why Wait? Take Control of Your Finances Today with Yayasan Ihsan Rakyat!
Don’t let financial challenges hold you back. With fast approval, transparent processes, and a wide array of Shariah-compliant financing options, Yayasan Ihsan Rakyat is here to support you every step of the way. Apply today and enjoy a stress-free financial solution tailored to your needs!
Yayasan Ihsan Rakyat: Summary
Article Title: Yayasan Ihsan Rakyat
Category: #YIR #PersonalLoan
Purpose: #Promotion
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The latest anouncement to all, Bank Rakyat Personal Loan 2021 Promotion is now going to have a very low interest rate. Apply now!
Bank Rakyat Personal Loan 2021 Promotion
Bank Rakyat Personal Loan 2021 Promotion Summary
Bank Name: Bank Rakyat
Abbreviation / Code Name: BRT
Bank Promotion Name: Bank Rakyat Personal Loan 2021 Promotion
Personal Loan Promotion Period: –
Open to: Government / Semi-Govt / State Govt / Private / N/A / All
Max Loan Amount: RM200k RM100k RM150k RM50k Salary Based Multiplier
Bank Rakyat Financing Eligibility
Installment method for Bank Rakyat Personal Loan 2021 Promotion as follow:
INSTALLMENT METHOD
ELIGIBILITY
Salary Transfer to Bank Rakyat
up to RM200,000
Biro Perkhidmatan Angkasa (BPA)
Salary Deduction
Electronic Payment
Based on income multiplier or RM200,000 whichever is lower
INCOME
ELIGIBILITY
RM 1,000 – RM 5,000
5 times monthly gross salary
RM 5,001 – RM 10,000
8 times monthly gross salary
More than RM 10,000
10 times monthly gross salary
Financing Rate Bank Rakyat Personal Loan 2021 Promotion
Fixed Rate
PAYMENT TYPE
TENURE
FIXED RATE
Salary Transfer to Bank Rakyat
Biro Perkhidmatan Angkasa
Salary Deduction
Up to 3 years
4.54%
More than 3 – 10 years
4.99%
Electronic Payment
Up to 3 years
5.64%
More than 3 – 10 years
6.26%
*Note :
The profit rate above is for financing with takaful.
Additional profit rate up t.o 0.86% over the current profit rate for financing without takaful
Fee And Charges Bank Rakyat Personal Loan 2021 Promotion
TRANSACTION
CHARGE
Wakalah or Agency Fee
Wakalah or agency fee of RM28.30
Stamp duty fee
0.5% of total financing as contained in the Stamp Duty Act 1949.
Early Settlement Fee
Rebate (Ibra’) will be given on the deferred profit
Late Payment Charges
During the financing tenure :
1% per annum on the outstanding amount of the monthly payment
After expiry of financing tenure :
Shall not be more than the prevailing daily overnight Islamic Interbank Money Market rate (IIMM) on the outstanding balance
Document Required Bank Rakyat Personal Loan 2021 Promotion
DOCUMENTS REQUIRED
NEW APPLICATION
REPEATED/ OVERLAPPING
Copy of MyKad/MyTentera
√
√
Latest 3 months salary slip
√
√
Latest 3 months Bank Statements of salary crediting account
√
And at least one (1) of the below :
Confirmation letter from employer
EA Form
√
Bank Rakyat Personal Loan 2021 Promotion Repayment Table
For Bank Rakyat Personal Loan 2021 Promotion, please click below:
Personal Loan Schedule of Payment
Apply Bank Rakyat Personal Loan 2021 Promotion
Apart from Bank Rakyat Personal Loan 2021 Promotion, we also provide personal loan services such as Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), Bank Rakyat financing, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank and others for your convenience. Contact us for information such as the latest promotional packages, the latest profit rates and the maximum amount of financing. The services offered are:
Fresh personal loan: The loan eligibility limit is calculated based on the strength of your pay slip i.e. basic salary, fixed allowance and the total deduction in the pay slip. Deduction of 60%, 50% or 40% of the total income. You can open an account for the first time with a bank or cooperative, a second account, a third account and so on.
Overlap personal loan: Where you use an existing financing account and apply to get cash in hand instantly. Increasing the financing amount means you may or may not increase the monthly installment payment or the original financing amount. Just take the full settlement statement and overlap with other banks/ cooperatives of your choice.
How to Apply for a Personal Loan Bank Rakyat Personal Loan 2021 Promotion?
To apply Bank Rakyat Personal Loan 2021 Promotion, Simply send the latest salary slip to the personal loan hotline 019-2983056 now! Click the phone number button above for more info.
Citibank known as a truly global bank serve more than 200 millions customers worldwide.Do more with your life with the extra money! You can now renovate your house, purchase new furniture, further study, shopping and holiday with our personal financing-i. The best value for money, low interest rate, low monthly repayment and many more. For more details please click the below link.
Please note that the website you ‘re open now is dedicated to government employees only. To private sector workers , do not make a phone call to the mobile phone number stated on any pages appeared existing in this website as the hotline number is for public servants (GOVERNMENT) only. For private sector workers , soldiers , traders , government retirees who want to make a personal loan , please click Citibank personal loan financing-i for private sector. Please take note in this regard.
Whether it is decorating your dream home, pursuing a higher education or your dreams, Citibank Personal Loans lets you fulfill your personal needs. Apply for Citibank Personal Loans Online now and get instant approval* in 5 simple steps!
Citibank Berhad Personal Loan Financing Summary
Bank Name: Citibank Berhad
Abbreviation / Code Name: Citi
Bank Promotion Name: General Info about Personal Loan from banks
Personal Loan Promotion Period: until present
Open to: All
Max Loan Amount: Salary Based Multiplier
Apply Personal Loan Online
Complete our online application form and get instant approval*.
Complete the 5 simple steps below and be approved* instantly.
Step 1: Fill up your Contact details
Step 2: Fill up your Personal details
Step 3: Fill up your Employment details – In Principle Approval* of your Personal Loan application
Step 4: Confirm loan terms that you wish to apply for
Step 5: Upload your income documents
*The loan amount, tenor and interest rate offered to you is based on your declared income during the online application. It may differ upon actual loan approval which is based on your income documentation submitted. Your loan application hereafter is still subjected to Citibank’s credit assessment.
Please note that by submitting the details above, you are warranting that all information furnished by you are true and accurate. Any incorrect or inaccurate information will affect your loan or other credit facility applications. In accordance with our privacy policy, any details that you submit for the purpose mentioned above will not be shared with third parties.
Please read the Citibank Instalment Loan Terms and Conditions and the Product Disclosure Sheet.
https://citibank.com.my
Hashtag / Keywords
#personalloan #Bank #Citibank
Contact Citibank Berhad
Tel: 03-2383 0000
Level 1, Smart Banking Area, Citibank Tower, 165, Jalan Ampang, Kuala Lumpur, 50450 Kuala Lumpur
Get instant cash from Kuwait Finance House (KFH) personal loan Murabahah Cashline-i without touching your existing deposits or investments! Whether it’s for urgent payments, education expenses, business or other commitments, we will provide you the extra flexibility and peace of mind to manage these common cash-flow needs with our KFH Cashline-i.
Kuwait Finance House (KFH) Personal Loan
Kuwait Finance House (KFH) Personal Loan Summary
Bank Koperasi Name: Kuwait Finance House
Abbreviation / Code Name: KFH
Bank Koperasi Promotion Name: Kuwait Finance House (KFH) Personal Loan
Personal Loan Promotion Period: ~ call for confirmation ~
Open to: Government / Semi-Govt / State Govt
Max Loan Amount: RM200k
What are the personal loan packages offered by Kuwait Finance House KFH ?
There are 2 type of personal loan packages from Kuwait Finance House KFH – murabahah personal financing-i generic and murabahah cashline-i.
Murabahah Cashline-i Kuwait Finance House (KFH) Personal Loan
Top key features and benefits
What are Kuwait Finance House (KFH) Personal Loan key benefits and features?
Flexible: Withdrawal
No Minimum: Monthly Payment
Competitive: Pricing
Shariah Concept: “Murabahah Tawarruq”
High: Margin of Advance
Account Benefit
Please refer below about Kuwait Finance House (KFH) Personal Loan account benefits/
Flexible cash withdrawal anytime via cheque, Debit Card, ATM or at any of our branches.
No minimum monthly payment. You will only pay profit charges on the money you use. Only settle the full amount within the agreed time frame.Profit rate is based on utilised amount only.
No charges imposed on the unutilized portion. Competitive pricing. High margin of advance. No guarantor needed.
Fee
You should know the fee for Kuwait Finance House (KFH) Personal Loan such as below:
Brokerage Fee: Proportionate as per the financing amount.
Stamp Duty: 0.5% of the financing amount.
Takaful: As per customer’s profile (age, gender, tenure, etc).
Eligibility
For those who interested in applying Kuwait Finance House (KFH) Personal Loan, here are the eligibility as below:
Individuals aged 21 years old or up to 2 years before retirement age (60 years old).
Malaysian resident.
Owns any permissible assets which are acceptable to KFH Malaysia and free from any encumbrances.
For personal use or short term working capital.
Minimum tenure of 2 years and up to 5 years, subject to annual review.
Minimum of RM5,000 financing amount and a maximum of RM250,000.
Profit Rates
The calculation for profit rated Kuwait Finance House (KFH) Personal Loan are as follow:
Base Rate plus margin subject to Contracted Ceiling Rate. Customer will be charged daily, based on the utilised amount calculated at Profit Rate and realised on a monthly basis.
Required Documents for Kuwait Finance House (KFH) Personal Loan
Salaried earners:
Latest 3 months payslip.
Latest EPF Statement (must show latest 3 months contribution).
Other documents on case to case basis.
Own Business:
Latest B/e-Tax form with tax payment receipts, or EPF statements (must show at least 6 months contribution) or a copy of latest Audited Financial Statements.
Business Registration Form.
Additional documents such as latest 6 months Company bank statement; or Proprietor bank statement and latest 3 months Personal bank statement.
Other documents on case to case basis.
Murabahah Personal Financing-i Generic
Top key features and benefits Kuwait Finance House (KFH) Personal Loan
Up To RM250,000: Financing
2 to 10 Years: Tenure
Competitive: Financing Rates
Shariah Concept: “Murabahah Tawarruq”.
No: Guarantors Necessary
Lifestyles
With Kuwait Finance House (KFH) Personal Loan, you can planning for a dream wedding or vacation you’ve always wanted? Need funds for the start-up you have in mind? KFH Personal Financing-i is the best possible way to get you started.
Account Benefits
What are Kuwait Finance House (KFH) Personal Loan account benefits you may get?
Financing up to RM250,000.
Flexible tenure from 2 to 10 years.
Competitive profit rates.
No guarantors needed.
“Takaful” protection for total peace of mind.
Easy payment via Interbank GIRO (IBG) or Interbank Fund Transfer (IBFT).
No early settlement penalty.
Fee
To apply Kuwait Finance House (KFH) Personal Loan, you should know the fee as below:
Brokerage Fee: Proportionate as per the financing amount.
Stamp Duty: 0.5% of the financing amount.
Takaful: As per customer’s profile (age, gender, tenure, etc).
Eligibility
What are the eligibility of Kuwait Finance House (KFH) Personal Loan?
Confirmed and permanent staff. Working with multinational companies, public limited companies, government-linked companies and their subsidiaries.
Individuals aged 21 years or up to 2 years before retirement age (60 years old).
Malaysian resident. Minimum gross monthly income of RM3,000.
Kuwait Finance House (KFH) Personal Loan Required Documents
Salaried earners:
Latest 3 months payslip.
Latest EPF Statement (must show latest 3 months contribution).
Other documents on case to case basis.
Own Business:
Latest B/e-Tax form with tax payment receipts, or EPF statements (must show at least 6 months contribution) or a copy of latest Audited Financial Statements.
Business Registration Form.
Additional documents such as latest 6 months Company bank statement, or Proprietor bank statement and latest 3 months Personal bank statement.
Other documents on case to case basis.
Contact Us Kuwait Finance House (KFH)
1 300 888 KFH (534) – Kuwait Finance House (KFH)
Kuwait Finance House (KFH) International Hotline – Telephone: 603-2168 0464
Apply Personal Loan Kuwait Finance House (KFH) Personal Loan
Apart from Kuwait Finance House (KFH) Personal Loan, we also provide personal loan services such as Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), Bank Rakyat financing, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank and others for your convenience. Contact us for information such as the latest promotional packages, the latest profit rates and the maximum amount of financing. The services offered are:
Fresh personal loan: The loan eligibility limit is calculated based on the strength of your pay slip i.e. basic salary, fixed allowance and the total deduction in the pay slip. Deduction of 60%, 50% or 40% of the total income. You can open an account for the first time with a bank or cooperative, a second account, a third account and so on.
Overlap personal loan: Where you use an existing financing account and apply to get cash in hand instantly. Increasing the financing amount means you may or may not increase the monthly installment payment or the original financing amount. Just take the full settlement statement and overlap with other banks/ cooperatives of your choice.
How to Apply for a Personal Loan Kuwait Finance House (KFH) Personal Loan?
To apply Kuwait Finance House (KFH) Personal Loan, Simply send the latest salary slip to the personal loan hotline 019-2983056 now! Click the phone number button above for more info.
*kfh official website
Hashtag / Keywords
#personalloan #koperasi #KFH
Kuwait Finance House (KFH) Personal Loan Reviews
Customer Reviews about Kuwait Finance House (KFH) Personal Loan
Kuwait Finance House (KFH) Personal Loan: Islamic banking pioneer innovates again with digital banking shift
Kuwait Finance House (KFH) Personal Loan: Kuwait Finance House (KFH) aims at becoming one of the first Gulf banking multinationals to reap all the rewards of digital transformation. Its strategy: a phased build-out of up-to-date, enterprise-class communication, productivity, Business Intelligence and analytics tools – set to culminate in a new data center with controlled group-wide use of cloud. Next immediate steps in innovation include customer service chatbots in yet another regional first.
Microsoft Customer Stories
Why You Should Take Loans In Malaysia — How To Use Debt To Your Advantage
In this video, we’ll talk about why taking out loans can usually be a GOOD thing for your personal finance.
Before we start, its important to distinguish the 2 types of loans, being a flat rate & a reducing balance loan. Here’s an illustration.
Imagine I want to take out a loan of RM100k for 2 years at an interest rate of 10%. A flat rate loan would take 100k multiplied by 10% annually, meaning I’ll pay 10k in interest in my first & second years. In total, I’ll be paying 20k worth of interest.
On the other hand, reducing balance loans work as their namesake. In the first year, you’ll be charged an interest of 10% * 100k, so RM10k. However, since you’ve already paid down some of the principal, which we’ll assume to be RM5k, the balance loan is only RM95k. In the second year, you’ll pay interest of 10% on the balance only, meaning an interest payment of RM9.5k.
This means that reducing balance loans are more favourable to the customers. However, we don’t get to decide this. Personal & vehicle loans are usually flat rates, whereas housing loans & ASB financing is usually a reducing balance method.
Now, let’s go on to why taking loans can be good for your finances. This idea popped up because when Proton recently launched their new X50 model, I’ve been super tempted to get one. And I was considering how much of a down payment I should put.
If i just followed standard personal finance advice off the internet, people would always say put down as much as you can or even more extreme, pay for the whole car in cash. I disagree.
You see, there’s this very important concept that people often overlook and its called opportunity cost. It’s something I learned from Economics class which basically means.. What is the cost of doing something over another?
Let’s say I decide to cut my own grass instead of hiring a gardener, I’d save some money for sure. But I would also be foregoing time I could be spending working on this YouTube channel to generate income. Is it really worth skimping on hiring a gardener then?
If I go to Baskin Robbins and choose chocolate flavored ice cream which btw is the best flavor, the opportunity cost is not getting all the other flavors.
Similar to the 2 examples I just mentioned, the opportunity cost of buying a vehicle in cash or paying a very heavy downpayment is the fact that I am forgoing the opportunity to put this money into an investment.
Now comes the important part. Will putting my money in investments benefit me more than saving on interest by paying for the car in cash? Short answer, yes it will.
“Wait what, how can you pay interest to the bank and be better off? That’s not how it works!”. A lot of people think that. Paying interest is not a bad thing guys. Rich people do it all the time, they utilize credit.
The key here is that the interest I’m paying to the bank is lower than the returns on my investment. Due to the weak economy, Bank Negara has reduced interest rates by so much where I can get 9 year car loans at less than 2.5% interest. This means that I’m paying the bank 2.5% of the amount I’m borrowing every year.
If we take the average 7% annual return on investments, we have a 4.5% spread where we’re making more money by taking the loan. Do note however that the 7% isn’t guaranteed, and it completely depends on how the market performs. However, Malaysians can opt for ASB where you will most definitely get returns beyond the 2.5% mark.
So how can you execute this? Let’s say you have the money to pay for a car outright. Buy it on loan, and put the cash in ASB. Withdraw the money as you need to pay for installments and at the end of the day, I guarantee you you will end up with more money compared to paying full cash.
Even if you don’t have the cash to pay for the car upfront, the concept is still the same. Reduce the monthly payment by as much as you can, meaning stretch out the loan period. Let’s say a 7 year loan has a monthly payment of RM700 and a 9 year loan is RM600.
Take the 9 year loan but commit to “paying” RM700 a month. Rm600 of this goes to your loan and RM100 goes to your investments like ASB. Even though you’re paying more interest with the 9 year loan, you’ll end up paying less for the car after factoring in your investment returns.
Apply Personal Loan KIMB Koperasi Islah Malaysia Berhad flat rate interest rate up to RM100,000. No hidden charges. Koperasi Islah Malaysia Berhad (KIMB) is a national cooperative. Member involvement is not limited to one organization only, but it is open to all Malaysians in general.
Personal Loan KIMB Koperasi Islah Malaysia Berhad Summary
Bank Koperasi Name: Koperasi Islah Malaysia Berhad
Abbreviation / Code Name: KIMB
Bank Koperasi Promotion Name: Personal Loan KIMB Koperasi Islah Malaysia Berhad
Personal Loan Promotion Period: ~ call for confirmation ~
Open to: Government
Max Loan Amount: RM200k RM100k RM150k RM50k Salary Based Multiplier
What are the products and services of Koperasi Islah Malaysia Berhad KIMB?
The products and services offered are Koperasi Islah Malaysia Berhad personal loans, special investment savings, sales products and takaful protection.
About Personal Loan KIMB Koperasi Islah Malaysia Berhad
Koperasi Islah Malaysia Berhad (KIMB) is a Cooperative established with the aim of promoting a culture of saving and entrepreneurship for welfare purposes and improving the socio -economic status of members in particular and Muslims in general, in line with the demand to “cooperate in matters of goodness and piety”
Koperasi Islah Malaysia Berhad was approved for registration on 21 January 1994 under the Suruhanjaya Koperasi Malaysia (SKM) with Koop Nasional registration number No 15.
Vision
Becoming a Superior National Cooperative Based on Sharia
Mission
Encourage a culture of saving and entrepreneurship among members
Involve cooperatives in profitable business and investment activities
Provide quality services through trustworthy and competent management.
Koperasi Islah Malaysia Berhad (KIMB) Retail Financing
Koperasi Islah Malaysia Berhad (KIMB) Personal Loan is a flat rate personal financing.
Financing Margin
Based on the personal loan eligibility limit and subject to a minimum amount of RM 1,000 and a maximum amount of RM 100,000
A flat rate personal loan of 8% per annum for all who qualify.
*This rate is subject to change depending on the terms and conditions, will be notified via offer letter if the application is approved.
Eligibility for Personal Loan Application
Has been a member of KIMB for at least six (6) months.
Applicants must be 18 years of age or older.
Has a confirmed position and has a fixed income.
Have a guarantor.
Required documents
Completed application form.
Information disclosure consent form.
A copy of identity card.
3 months latest salary slip.
Latest job confirmation letter.
And at least one of the following documents:
Latest EPF statement; or
Latest income statement (Form BE/eBE/EA/EC); or Latest bank statement for 3 months (salary crediting)
Any supporting documents if necessary.
Payment method
There are 2 payment methods for personal loan payment of Koperasi Islah Malaysia Berhad as follows:-
Salary cut.
Standing instructions from other banks.
Benefits Of Applying For A Personal Loan With Us
No hidden charges
Selling price – fixed and known.
Competitive financing rates.
*Subject to the terms and conditions.
Koperasi Islah Malaysia Berhad Membership Application
3 easy steps to apply for membership:
Complete the membership application form – Download the member application form or fill in online at borang_permohonan_ahli_kimb_2.0 Return the form either via:
Post/send to Koperasi Islah Malaysia Berhad Office at Lot 300.1, Lorong Selangor, Pusat Bandar Melawati 53100, Kuala Lumpur, or Email to customer.service@kimb.com.my, or Fax the form to 03-41086319
Make a membership application fee of RM 530 (RM 500 Shares, RM 30 Membership Fee) can be paid in cash or bank-in to the following account in the name of KOPERASI ISLAH MALAYSIA BERHAD: Maybank: 5622 0961 8419 Islamic Bank: 1211 30100 24343 (Proof of payment can be submitted via email or fax as above, or whatsapp to 011.2078.5903)
After approval, we will send the approval confirmation letter along with the membership card and the cooperative by-law book to the address given in the membership application form.
Cooperative Membership Requirements
Membership is open to:
Malaysian
Aged 18 years and above
Never involved in an offense registered under the “Registration of Criminals and Undisireable Persons Act, 1969 ″.
Each application must be by filling in the membership application form, Membership Fee RM 30 and a minimum Share Capital of RM 500 (paid within 6 months after membership is registered)
Selaras dengan kontrak syariah, Koperasi Islah Malaysia Berhad tidak menjanjikan keuntungan namun Koperasi Islah Malaysia Berhad mengambil langkah-langkah bersesuaian untuk mengurus risiko yang dikenalpasti.
Melalui skim ini kita menjayakan perniagaan anggota melalui kerjasama modal dan anggota yang melabur mempunyai potensi berkongsi keuntungan.
Ini adalah kaedah taawun menang-menang sesama anggota.
Produk Jualan
Buku “Taawun Dalam Koperasi”
Al-Quran & Terjemahan
Tafsir Fi-Zilal-il-Quran (11 Jilid)
The Higher Objective of Humanity
https://kimb.com.my
Hashtag / Keywords
#pinjamanperibadi #koperasi #KIMB
Personal Loan KIMB Koperasi Islah Malaysia Berhad Reviews
Customer Reviews about Personal Loan KIMB Koperasi Islah Malaysia Berhad
Koperasi Islah Malaysia Berhad (KIMB) Personal Loan is a flat rate personal financing.
Koperasi Islah Malaysia Berhad Lorong Selangor, Taman Melawati, 53100 Ampang, Selangor
H1:
excerpt
H2,H3, H4
Repayment Table
LOREM: Ringkasan
Tajuk Artikel: Kebankrapan
Kategori: #Bank #BSN #PinjamanPeribadi
Tujuan: #MaklumatAm #Promosi
LOREM: Summary
Article Title: Bankruptcy
Category: #Bank #BSN #PersonalLoan
Purpose: #GeneralInformation #Promotion
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Koperasi Anak Sains MARA Berhad KOASMARA was incorporated by alumni of MARA Junior Science College (MRSM), a special high school system developed by Majlis Amanah Rakyat (MARA) for the promising bumiputera students.
About Koperasi Anak Sains MARA Berhad KOASMARA
The MRSM system has produced more than 150,000 graduates since its establishment and today about 80 of them are listed as our members with vision to create a better business-networking platform in niche area such as international education, training and consultancy.
We are one of a handful of cooperatives in Malaysia with these unique focus as we wanted to be different, providing different angle of perspective into what a cooperative should and can do.
Koperasi Anak Sains MARA Berhad KOASMARA is inspired by one of our member whom is also Malaysia’s Astronaut, YBhg. Datuk Dr. Sheikh Muszaphar Shukor, Koperasi Anak Sains MARA Berhad KOASMARA have decided to not limit ourselves into just doing what ordinary cooperatives are doing.
For us at Koperasi Anak Sains MARA Berhad KOASMARA, the sky is not the limit!
Koperasi Anak Sains MARA Berhad or ASMARA / KOASMARA is a registered cooperative with Suruhanjaya Koperasi Malaysia. Koperasi Anak Sains MARA Berhad KOASMARA membership is eligible only for former students, teachers and staff of MARA Junior Science College (MRSM) and their family members.
The MRSM education system has produced more than 200,000 graduates since its establishment in 1972. Members of the alumni are mostly professionals, consultants and corporate leaders. Koperasi Anak Sains MARA Berhad KOASMARA would like to galvanize their vast pool of expertise and experience to become a successful business network.
VISION The Centre For Professional Growth
MISSION Committed in delivering the best platform for leadership development, professional growth and capacity building
Membership and Shares
To apply for our membership and shares, please contact our KLHQ. Terms and conditions apply.
Shares Performance:
ASMARA DIVIDEND & BONUS: 15.0
Funds Performance: ASMARA EDUCATION FUND: 8.4
Public Programs
Public Programs are workshops for busy people who are needing more info and practice on very specific topics. The modules are an integral part of our Professional Diploma in Entrepreneurship.
Participants are curious to know more about the subject but do not want to commit too much time or resources on it. This workshop will give an ample overview of the topic
Our workshop formats are ACTIVE. For each concept, there will be group exercises, role plays and games for deeper understanding and longer retention. Case studies are often part of our content to give better insights related to current market conditions or industries.
All trainers are professional trainers with at least 20 years experience in their industry. Meeting experts in their fields is the greatest value for our participants.
Education Programmes
DBA DOCTORATE OF BUSINESS ADMINISTRATION
Designed for Senior Executives. It is a research-based program for students to advance their careers to the next level.
Euro programme
MBA MASTER OF BUSINESS ADMINISTRATION
An MBA is highly demanded in the business world. In many cases, an MBA degree is required for executive and senior positions.
UK & Euro programme
PDE PROFESSIONAL DIPLOMA IN ENTREPRENEURSHIP
Unique modules and flexible programmes designed for people who want to understand components of successful businesses. This is the gateway to our PGDBA & other higher education programmes.
UK or EU programme
ECEC DIPLOMA IN EARLY CHILDHOOD EDUCATION & CARE
The Diploma of Early Childhood Education and Care includes all the components of leadership roles such as a team room leader, coordinator, assistant director or director.
Australian programme
DOB DIPLOMA OF BUSINESS
Very suitable for youths or individuals who wish to gain more knowledge and skills in Business. A great course to further develop skills across a wide range of business functions.
Australian programme
SOFT SKILLS Recovery Coaching Skills For Addiction
This course focuses on knowledge and competencies in Recovery Coaching. Suitable for social workers, educators, coaches, counselors & therapists who are interested to specialize in the field of addiction.
Malaysian programme
SOFT SKILLS Route to Professional Engineer (IR)
The route on how to achieve IR status will be explained. This training & mentoring course will cover all the processes and guidance through the stages to be become a credentialed Engineer with IR.
Malaysian programme
Education Overview
Duration : Usually 1 or 2 days at our facilities on weekends. Lunch is provided. Free flow refreshments.
Training is provided in our comfortable class rooms. The medium of instruction is mixed Malay and English.
Certificate of accomplishments or participation are provided.
Training Modules are taken from our Professional Diploma in Entrepreneurship (PDE). You may opt to join PDE later on with exemption from the topics you’ve attended.
Requirement
Minimum : SPM
Join Our Workshop
Please call our Student Affairs Officers :
Adda or Izzati or Amalina at +603 2785 0532
Required Documents:
Application form will be sent by email
A copy of IC
A copy of Bank-in Slip or Screen Capture of payment transaction for RM600 to Anasmara Education Sdn Bhd. CIMB Bank Account Number 8603820971
Terms : No Refunds
Contact Koperasi Anak Sains MARA Berhad ASMARA (KOASMARA)
Koperasi Anak Sains MARA Berhad ASMARA KOASMARA HQ
A-3-7 Centrio Pantai Hill Park 1 Jalan Pantai Murni 59200 Kuala Lumpur MALAYSIA
Tel: 0327850582
Koperasi Anak Sains MARA Berhad ASMARA KOASMARA Embassy
Level 23, Menara MARA 223, Jalan Tunku Abdul Rahman 50100, Kuala Lumpur MALAYSIA
Koperasi Anak Sains MARA Berhad ASMARA KOASMARA International
INDONESIA
Menara BCA Jakarta Tel: +62 (857) 22245553
BOSNIA HERZEGOVINA
Alije Izetbegovica Breza Tel: +387 (62) 875563
Koperasi Anak Sains MARA Berhad KOASMARA: Summary
Article Title: Koperasi Anak Sains MARA Berhad KOASMARA
Category: #koperasi #KOASMARA #PersonalLoan
Purpose: #GeneralInformation
Koperasi Product and Services
We cover all koperasi across Malaysia, providing a wide range of products and services. Explore the options below to discover useful information and easily contact the koperasi that meets your needs. Unlock the benefits of various koperasi offerings available nationwide!
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Koperasi Belia Nasional Berhad (KOBENA) Koperasi Belia Nasional Berhad (KOBENA) adalah salah satu koperasi terbaik di Malaysia yang menyediakan perkhidmatan pinjaman peribadi kepada kakitangan kerajaan…
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Personal Loans Koperasi Komuja – Apply with High CCRIS or CTOS
Koperasi Komuja offers exclusive personal loan packages for government employees and statutory bodies, even with high CCRIS or CTOS scores. Don’t let poor credit hold you back – apply today! Read more here to discover the eligibility criteria and start your application now.
Koperasi Komuja: The Best Personal Loan for Government Employees and Statutory Bodies
About Koperasi Komuja
Koperasi Komuja is one of the best personal loan cooperatives in Malaysia, particularly popular among government employees and statutory bodies. Since launching its personal loan product in 2016, Koperasi Komuja has become a top choice for those seeking quick approval and affordable interest rates. This cooperative is especially suitable for individuals with a high CTOS and CCRIS record, as many other financial institutions might struggle to approve loans for those with less-than-ideal credit scores.
If you have a poor credit record or have faced difficulties in securing loans from traditional banks, Koperasi Komuja offers an ideal solution. Unlike many other cooperatives and banks, Koperasi Komuja provides a more flexible approval process, making it accessible to a wider range of applicants, including those with credit issues.
Eligibility Criteria for Applying for Koperasi Komuja Personal Loans
Koperasi Komuja offers various personal loan products with easier eligibility criteria compared to banks. This makes it an excellent option for individuals with higher CTOS and CCRIS scores who may struggle to get approval from other lenders. Below are the key criteria for applying for a personal loan with Koperasi Komuja:
Koperasi Komuja Loan Criteria:
Interest Rate: 12% per year for a term of 10 years (120 months).
CTOS and CCRIS:
Below RM28,000: Payout up to 70%.
Between RM28,000 and RM40,000: Payout reduced to 65%.
Between RM40,000 and RM50,000 (with summons or listed in AKPK): Payout reduced to 62%, but still eligible to apply.
Maximum Loan Amount: RM150,000 without requiring a guarantor.
Deductions via Biro Angkasa (BPA).
Processing Time: Approximately 7 working days for loan approval.
Koperasi Komuja vs Bank Personal Loans
Koperasi Komuja offers certain advantages that make it a preferred choice over traditional banks. One key advantage is its easier approval process, even for applicants with high CTOS and CCRIS scores. For example:
Traditional banks like Bank Rakyat, BSN, and Public Bank typically require a clean credit record, and they may reject personal loan applications for individuals with a high CTOS or CCRIS score.
Koperasi Komuja offers a more flexible approach, approving loans for individuals with higher credit issues, which makes it an excellent alternative for government employees needing quick financial assistance.
Loan Deductions Through Biro Angkasa (BPA)
Most cooperative personal loans, including those from Koperasi Komuja, utilize the Biro Perkhidmatan Angkasa (BPA) system for salary deductions. This system ensures that loan repayments are made automatically from the applicant’s salary, reducing the chances of missed payments. Here are the steps to apply for a loan with Biro Angkasa deductions:
Obtain the Biro Angkasa Form: You need to get the hard copy form from Koperasi Komuja, which must then be verified by your employer.
Eligibility: Ensure that your employer has given approval for salary deductions through Biro Angkasa before submitting the form.
Submit the Form: After filling out and obtaining approval for the form, submit it to Koperasi Komuja for processing.
Other Cooperatives Offering Personal Loans
In addition to Koperasi Komuja, there are other cooperatives in Malaysia that also offer personal loans with competitive rates. Some of these cooperatives include:
Yayasan Ihsan Rakyat: Offers fast approval with a 3-day processing time.
Koperasi Gemilang: Known for low interest rates on personal loans.
Coshare KFH: A collaboration with Kuwait Finance House, offering loans with an interest rate of 3.88%.
Koperasi Borneo, Koperasi Shamelin, and others: These cooperatives provide various personal loan options tailored to meet your financial needs.
However, if you’re looking for a loan with an easier approval process, Koperasi Komuja remains the most flexible and accessible choice, especially for those with CTOS or CCRIS issues.
Personal Loans from Banks
While cooperatives like Koperasi Komuja offer more accessible approval, you may still consider applying for personal loans from banks such as:
Bank Rakyat
Bank Simpanan Nasional (BSN)
Public Bank Berhad
Alliance Bank
Kuwait Finance House (KFH)
However, bank loans often come with stricter eligibility requirements compared to cooperatives. If you have CTOS or CCRIS issues, it’s usually better to explore loan options from cooperatives first.
Koperasi Komuja offers an excellent solution for government employees looking for personal loans with a quick and easy approval process, even if they have a high CTOS or CCRIS record. With salary deductions through Biro Angkasa and flexible approval conditions, Koperasi Komuja provides an accessible and manageable way to meet your financial needs.
For more information or to apply for a loan, contact your preferred Koperasi Komuja agents now to apply!
Apply for a personal loan from Koperasi Komuja today and experience financial convenience!
Koperasi Komuja: Summary
Article Title: Koperasi Komuja
Category: #Koperasi #KOMUJA #PersonalLoan
Purpose: #Promotion
Koperasi Loan Promotions
Looking for an attractive koperasi loan offer? Check out our koperasi loan promotions now! Enjoy competitive interest rates, an easy application process, and quick approval. Click below to explore the options and choose the loan that fits your financial needs!
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Koperasi Unisel KUISB / Koperasi Universiti Industri Selangor Berhad was registered on 8 August 2005 under Subsection 7 (1) of the Cooperatives Act 1993 as a basic cooperative with limited liability.
About Koperasi Unisel KUISB / Koperasi Universiti Industri Selangor Berhad
Koperasi Unisel KUISB / Koperasi Universiti Industri Selangor Berhad now provides Mini BSN service where you can deposit money to BSN account, Cash withdrawal via BSN atm card, Bill Payment (Telephone, TNB, Syabas), eSSP Purchase (Premium Savings Certificate) and also Cashless Purchase at the Cooperative Affairs Office Unisel
Contact Koperasi Unisel KUISB / Koperasi Universiti Industri Selangor Berhad
facebook messenger: m.me/koopunisel
History of Koperasi Unisel KUISB / Koperasi Universiti Industri Selangor Berhad
KOPERASI UNISEL KOPERASI UNIVERSITI INDUSTRI SELANGOR BERHAD (KUISB) was established on 8 August 2005 with a target membership among the staff of Universiti Selangor (UNISEL). Located at the KUISB office at UNISEL Bestari Jaya Campus, KUISB offers facilities, benefits and welfare to all members in both Bestari Jaya Campus and Shah Alam. Not only focusing on investment activities, KUISB is now making strides by operating a F&B and printing business as the main activity to generate member economies.
VISION To be an exemplary cooperative that is professional, the best and respected in Malaysia
MISSION Improving the socio-economic status and welfare of members based on the culture and principles of cooperatives
OBJECTIVE
Carry out consumerism activities
Produce a return on member capital at a satisfactory rate
Caring for the interests of members and cooperatives in an efficient, trustworthy and quality manner
Contribute to the welfare and social activities of members
LOGO DEFINITIONS
The logo symbolizes close unity and close cooperation towards the well-being of its members.
The roundness of the water because of the sewer, the roundness of the man because of the consensus is reflected by the shape of the seed -colored circle that surrounds the four blue circles in it.
Cooperation and unity are symbolized through four arrow -like shapes pointing in the same direction.
Product and Services
Products and services provided by Koperasi Universiti Industri Selangor Berhad KUISB / Koperasi Unisel are: –
Unisel T-shirt
Unisel hat
Mug with Unisel writing
Supply of stationery such as color paper and yellow paper
Envelope
Photocopy (photocopy of learning materials etc.)
Vehicle insurance and personal protection (Insurance Takaful Agent)
Contact Koperasi Universiti Industri Selangor Berhad (KUISB)
Universiti Selangor (UNISEL) Bestari Jaya Jalan Timur Tambahan 45600 Batang Berjuntai, Selangor Tel: 03-3281 2434
E-Mail: info@personalfinancingloan.com
Koperasi Unisel (KUISB): Summary
Article Title: Koperasi Unisel (KUISB)
Category: #koperasi #KUISB #PersonalLoan
Purpose: #GeneralInformation
Koperasi Product and Services
We cover all koperasi across Malaysia, providing a wide range of products and services. Explore the options below to discover useful information and easily contact the koperasi that meets your needs. Unlock the benefits of various koperasi offerings available nationwide!
UM Cooperative Bookshop Ltd The University of Malaya Cooperative Bookshop Ltd, also known as Koperasi Kedai Buku Universiti Malaya Berhad, offers a wide range of…
Koperasi Perumahan Angkatan Tentera Berhad (KPATB) Kenali sejarah dan cara untuk menjadi anggota Koperasi Perumahan Angkatan Tentera Berhad (KPATB) sebelum memohon pinjaman peribadi. Kami menyediakan…
Koperasi KOSMAS Selangor: Pelaburan Masa Depan Anda Jana kekayaan masa depan anda dengan pelaburan di Koperasi KOSMAS Selangor. Pelajari lebih lanjut mengenai peluang pelaburan saham…
Koperasi Ladang Berhad (KLB) Koperasi Ladang Berhad (KLB) is a leading cooperative in Malaysia, specializing in high-quality fertilizers, fungicides, herbicides, and insecticides. Want to find…
Koperasi Iman (KOIMAN) Bergabunglah dengan Koperasi Serbaguna Iman Malaysia Berhad (KOIMAN) dalam bidang perladangan fidlot, pusat penyembelihan, dan ladang ternakan lembu Iman Farm. Selain itu,…
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Koperasi Anak Sains MARA Berhad KOASMARA Koperasi Anak Sains MARA Berhad KOASMARA was incorporated by alumni of MARA Junior Science College (MRSM), a special high…
Koperasi Kobaru Berhad Jom mohon pinjaman peribadi Koperasi Kobaru Berhad dengan kadar yang istimewa. Koperasi pilihan dan mesti anda pilih. Pilihan muktamad anda! Semua orang…
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The all new Personal Loans Coshare KFH 3.88% is our top choice for personal financing in Malaysia. The personal loans Coshare KFH 3.88% is one of 3 new financing products launched in 2021 in conjunction with the Covid-19 pandemic. The impact of the Control Movement Order has a profound impact on the applicant’s day -to -day economy and finances. It is expected that this funding package will explode and become very popular among AG government civil servants. KFH, Kuwait Finance House, has long been a leader in financing packages for government employees.
Personal Loans Coshare KFH 3.88% – Loan Criteria
Here are the loan criteria for Coshare KFH 3.88% so that you get a clear picture before applying.
Special interest rate 3.88% flat rate for Personal Loans Coshare KFH (lowest in the market for flat rate).
Payout 80% of the loan amount.
Processing time 7-10 working days.
Minimum loan period of 2 years and maximum of 15 years of financing. (first time loan period is extended)
The minimum financing amount is RM10,000.
The maximum financing is RM200,000.
Unsecured loan
Single customer limit is RM200,000.
Applicants must be in a permanent position.
Serve at least 1 year from the date of appointment.
The minimum starting salary is RM3,000.
Open to full government staff (AG Only). That means all federal government employees are ELIGIBLE.
Police personnel are ELIGIBLE to apply.
This promotion namely Personal Loans Coshare KFH 3.88% is not open to state government employees and statutory bodies (GLC).
Financing up to one year before retirement. If the applicant chooses the 60 -year retirement option, we can only calculate until 59 years old.
Important note: Applicants with a high DSR are NOT ELIGIBLE to apply because this Personal Loans Coshare KFH 3.88% scheme does not see your CCRIS and CTOS records. You should tell us whether you have commitments outside of pay slips such as credit cards, house or vehicle installments, personal loans paid through bank account deductions or bank-in and others.
How to Apply a Personal Loans Coshare KFH 3.88%
To applicants who are interested in this personal loans Coshare KFH 3.88% personal loan package, you can download the application form here. You must also fill in your personal details as below and send to our WhatsApp number as below.
MAKLUMAT PEMOHON
Nama Penuh:
No I/C:
Alamat Tetap:
Alamat Sekarang:
No Tel Bimbit:
Bilangan Tanggungan:
Taraf Perkahwinan:
Bangsa:
Agama:
Taraf Pemilikan Rumah:
Pendidikan Tertinggi:
Alamat Email:
Nama Ibu:
Tempoh Menetap:
MAKLUMAT PEKERJAAN PEMOHON
Nama Majikan:
Alamat Majikan:
Jawatan:
Tarikh Mula Berkhidmat:
No. Tel. Pejabat:
Gred:
Bahagian / Jabatan:
MAKLUMAT PASANGAN
Nama Penuh Pasangan:
No I/C Pasangan:
Tarikh Lahir Pasangan:
No Tel. Bimbit:
Nama Majikan Pasangan:
Alamat Penuh Majikan Pasangan:
Gaji Pasangan:
Tarikh Mula Berkhidmat:
No. Tel Pejabat Pasangan:
MAKLUMAT RUJUKAN SAUDARA TERDEKAT
Nama Penuh:
Alamat Tetap:
No Tel. Bimbit:
Pertalian Dengan Pemohon:
Dengan ini saya bersetuju dengan semua syarat-syarat yang telah diberitahu oleh Pegawai Pemasaran dan mengesahkan semua maklumat yang diberikan adalah benar. Terima kasih.
Does Coshare KFH Required Colored Copy of MyKad?
Yes a colored copy of MyKad is required to apply for personal loans Coshare KFH 3.88%. You can WhatsApp a copy of your colored IC to the WhatsApp number as shown. For safety, you are encouraged to draw a small double horizontal line on the top right corner and put remarks such as “For Coshare use only” so that your IC is not misused by others in the future.
Personal Loans Coshare KFH 3.88% Required Documents
Documents required to apply for a personal loans Coshare KFH 3.88% are:
IC & police ID (if any) colored have – WhatsApp
ANM & HRMIS password (customers have to print their own HRMIS if they are police officers)
Copy of payroll bank account (COMPULSORY)
Option letter for customer:
aged 39 and above (if applying for a 15 year old package)
aged 45 and above (if applying for a 10 year package)
Confirmation letter* (MANDATORY if applying KFH)
*For JCL, if the employer does not cooperate, you have to ask for a confirmation letter
What is the Best Personal Loan You Can Apply for in this Covid-19 Pandemic?
Many were effected by the high financial burden during Covid-19 pandemic. Therefore, we are pleased to launch the MCO personal loan promotion – Movement Control Order 3.0 for you. There are 3 financing schemes without employer confirmation (loan tanpa pengesahan majikan) that you can apply for, namely Coshare KFH 3.88%, Coshare JCL 6.65% and Coshare JL 7%. Just Whatsapp our hotline number at 019-2983056 to get more information and clarification on this best financing package ever.
If you are familiar with Yayasan Ihsan Rakyat YIR, Apply personal loans now!
Remember ‘Protect Yourself … Protect All’ …
Download Personal Loan Form Personal Loans Coshare KFH 3.88%
What are the 5 Steps to Apply for a Coshare Personal Loan – Kuwait Finance House (Interest rate 3.88%)?
To apply Personal Loans Coshare KFH 3.88%, here are the steps you need to do as follows:-
Step 1: WhatsApp the latest salary slip to 019-2983056. And state whether you have a high blacklist record or bankruptcy and inform us which packages that suits your financial status.
Step 2: A calculation will be made to determine if you are eligible or not. We will inform you which package suits you based on your financial situation.
Step 3: Fill in the applicant’s information and send via WhatsApp to 0192983056.
Step 4: Download the form in this page, fill it in using a black wet ink pen, sign all places consistently and attach supporting documents as required.
Step 5: Send us the completed application form.
Personal Loans Coshare KFH 3.88%: Best Financing RM200K: Summary
Article Title: Personal Loans Coshare KFH 3.88%: Best Financing RM200K
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RHB Bank Personal Loan RHB Bank offers financing up to RM150,000 with no guarantor required. Available for government, private sector, and selected GLC employees. It’s…
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Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Personal loans Coshare JCL 7% is the second MCO loan financing (Movement Control Order) launched this year. This fund is taken from JCL so this loan is known as Personal Loans Coshare JCL 7%. Open to PERMANENT civil servants (federal government employees AG) and police personnel. Please be informed that this financing is a ‘loan tanpa pengesahan majikan’ and is suitable for those of you who have difficulty obtaining employer’s confirmation.
Personal Loans Coshare JCL 7% Loan Criteria
Here are the loan criteria for Personal Loans Coshare JCL 7% so that you get a clear picture before applying.
Personal Loans Coshare JCL 7% Best interest rate 7% flat rate (lowest in the market for flat rate).
Payout 70% of the loan amount. (Payout slightly higher than 6.65% interest)
The process takes 7-10 working days and is a bit slow due to the MCO 3.0 movement control command.
Serve at least 1 year from the date of appointment.
The minimum starting salary is RM1,500.
Open to full government staff (AG Only). That means all federal government employees are ELIGIBLE.
Police officers are ELIGIBLE to apply.
This promotion is not open to state government employees and statutory bodies.
Financing up to one year before retirement. If the applicant chooses the 60 -year retirement option, then you can loan up to age 59 years old.
Important note: Applicants with a high DSR are ELIGIBLE to apply because this Personal Loans Coshare JCL 7% scheme does not see your CCRIS and CTOS records. If the blacklist amount is too high it will be assessed on a case-by-case basis.
How to Apply a Personal Loans Coshare JCL 7%
To applicants who are interested in this Personal Loans Coshare JCL 7% package, you can download the application form here. You must also fill in your personal details as below and send to our WhatsApp number as below.
MAKLUMAT PEMOHON
Nama Penuh:
No I/C:
Alamat Tetap:
Alamat Sekarang:
No Tel Bimbit:
Bilangan Tanggungan:
Taraf Perkahwinan:
Bangsa:
Agama:
Taraf Pemilikan Rumah:
Pendidikan Tertinggi:
Alamat Email:
Nama Ibu:
Tempoh Menetap:
MAKLUMAT PEKERJAAN PEMOHON
Nama Majikan:
Alamat Majikan:
Jawatan:
Tarikh Mula Berkhidmat:
No. Tel. Pejabat:
Gred:
Bahagian / Jabatan:
MAKLUMAT PASANGAN
Nama Penuh Pasangan:
No I/C Pasangan:
Tarikh Lahir Pasangan:
No Tel. Bimbit:
Nama Majikan Pasangan:
Alamat Penuh Majikan Pasangan:
Gaji Pasangan:
Tarikh Mula Berkhidmat:
No. Tel Pejabat Pasangan:
MAKLUMAT RUJUKAN SAUDARA TERDEKAT
Nama Penuh:
Alamat Tetap:
No Tel. Bimbit:
Pertalian Dengan Pemohon:
Dengan ini saya bersetuju dengan semua syarat-syarat yang telah diberitahu oleh Pegawai Pemasaran dan mengesahkan semua maklumat yang diberikan adalah benar. Terima kasih.
Personal Loans Coshare JCL 7% Required Documents
Documents required to apply for a Personal Loans Coshare JCL 7% are:
IC & police ID (if any) colored have – WhatsApp
ANM & HRMIS password (customers have to print their own HRMIS if they are police officers)
Copy of payroll bank account (COMPULSORY)
Option letter for customer:
aged 39 and above (if applying for a 15 year old package)
aged 45 and above (if applying for a 10 year package)
Confirmation letter* (MANDATORY if applying KFH)
*For Personal Loans Coshare JCL 7%, if the employer does not cooperate, you have to ask for a confirmation letter
Need flexible financial solutions? Get the loans and funding you need to achieve your goals. Click below to explore your options and get started today!
BSN Personal Financing BSN Personal Loan offers competitive interest rates and financing options of up to RM200,000 for both public and private sector employees in…
Alliance Bank Personal Loans Get financial help with low interest rates and minimal extra fees through Alliance Bank Personal Loans. Enjoy an exclusive rate of…
Maybank Islamic Personal Financing-i (MIPF-I) Make life brighter with the Maybank Islamic personal financing-i (MIPF-I). Get financing of up to RM100,000, with monthly repayments starting…
RHB Bank Personal Loan RHB Bank offers financing up to RM150,000 with no guarantor required. Available for government, private sector, and selected GLC employees. It’s…
Bank Islam Personal Financing-i Bank Islam offers the best personal loan financing up to RM300,000 with Takaful coverage. Choose between flat rate or floating rate,…
Koperasi Tentera (KATMB) Express Loans Koperasi Tentera (KATMB) provides Express Loans 1, 2, and 3 for various individuals and purposes, with a maximum loan amount…
Koperasi Tentera (KT): Personal Loans Personal loans from Koperasi Tentera (KT) are financing options specifically for the armed forces (anggota tentera Angkatan Tentera Malaysia (ATM))….
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Personal loan Coshare JCL 6.65% is one of the best personal financing 2022 in Malaysia you can apply. This great promotions is open to civil servants only. You should take this opportunity to grab this financing scheme because it is open is very limited time. Ask us now on how to apply or read below about the terms and conditions about how to apply Personal Loan Coshare JCL 6.65%.
Coshare JCL Personal Loans 6.65% Packages
Personal Loan Coshare JCL 6.65% is the second loan tanpa pengesahan majikan launched this year. This fund is taken from JCL so this loan is known as Coshare JCL 6.65%. Open to PERMANENT civil servants (federal government employees AG) and police personnel. Please be informed that this financing is a loan tanpa pengesahan majikan and is suitable for those of you who have difficulty obtaining employer’s confirmation.
Coshare JCL Personal Loans 6.65% – Loan Criteria
Here are the loan criteria for Coshare JCL 6.65% so that you get a clear picture before applying.
Interest rate 6.65% flat rate (lowest in the market for flat rate).
Payout 65% of the loan amount.
Processing time 7-10 working days.
Minimum loan period of 2 years and maximum of 15 years of financing. (first time loan period is extended)
The minimum financing amount is RM10,000.
The maximum financing is RM200,000.
Unsecured loan
Single customer limit is RM200,000.
Applicants must be in a permanent position.
Serve at least 1 year from the date of appointment.
The minimum starting salary is RM1,500.
Open to full government staff (AG Only). That means all federal government employees are ELIGIBLE.
Police personnels are ELIGIBLE to apply.
This promotion is not open to state government employees and statutory bodies (GLC).
Financing up to one year before retirement. If the applicant chooses the 60 -year retirement option, we can only calculate until 59 years old.
Important note: Applicants with a high DSR are ELIGIBLE to apply because this personal loan scheme does not see your CCRIS and CTOS records. If the blacklist amount is too high it will be assessed on a case-by-case basis.
Berita Terkini Loan Coshare JCL
Ini berita yang baru kami terima. Interest 6.65% dan tempoh loan 15 tahun hanya ditawarkan bagi pemohon yang ingin OVERLAP loan sediada sahaja.
Bagi kes fresh loan, tempoh pembiayaan maksima 12 TAHUN sahaja dan interest menjadi 8% manakala payout dinaikkan MENJADI 70%.
How to Apply a Coshare JCL Personal Loans 6.65%
To applicants who are interested in this Coshare JCL Personal Loans 6.65% package, you can download the application form here. You must also fill in your personal details as below and send to our WhatsApp number as below.
MAKLUMAT PEMOHON
Nama Penuh:
No I/C:
Alamat Tetap:
Alamat Sekarang:
No Tel Bimbit:
Bilangan Tanggungan:
Taraf Perkahwinan:
Bangsa:
Agama:
Taraf Pemilikan Rumah:
Pendidikan Tertinggi:
Alamat Email:
Nama Ibu:
Tempoh Menetap:
MAKLUMAT PEKERJAAN PEMOHON
Nama Majikan:
Alamat Majikan:
Jawatan:
Tarikh Mula Berkhidmat:
No. Tel. Pejabat:
Gred:
Bahagian / Jabatan:
MAKLUMAT PASANGAN
Nama Penuh Pasangan:
No I/C Pasangan:
Tarikh Lahir Pasangan:
No Tel. Bimbit:
Nama Majikan Pasangan:
Alamat Penuh Majikan Pasangan:
Gaji Pasangan:
Tarikh Mula Berkhidmat:
No. Tel Pejabat Pasangan:
MAKLUMAT RUJUKAN SAUDARA TERDEKAT
Nama Penuh:
Alamat Tetap:
No Tel. Bimbit:
Pertalian Dengan Pemohon:
Dengan ini saya bersetuju dengan semua syarat-syarat yang telah diberitahu oleh Pegawai Pemasaran dan mengesahkan semua maklumat yang diberikan adalah benar. Terima kasih.
Coshare JCL Personal Loans 6.65% Required Documents
Documents required to apply for a Coshare JCL 6.65%personal loan are:
IC & police ID (if any) colored have – Whatsapp
ANM & HRMIS password (customers have to print their own HRMIS if they are police officers)
Copy of payroll bank account (COMPULSORY)
Option letter for customer:
aged 39 and above (if applying for a 15 year old package)
aged 45 and above (if applying for a 10 year package)
Confirmation letter* (MANDATORY if applying KFH)
*For Coshare JCL Personal Loans 6.65%, if the employer does not cooperate, you have to ask for a confirmation letter
Here are the steps to apply a Coshare JCL Personal Loans 6.65% you need to do as follows:-
Step 1: WhatsApp the latest salary slip to 019-2983056. And state whether you have a high blacklist record or bankruptcy and inform us which packages that suits your financial status.
Step 2: A calculation will be made to determine if you are eligible or not. We will inform you which package suits you based on your financial situation.
Step 3: Fill in the applicant’s information and send via WhatsApp to 0192983056.
Step 4: Download the form in this page, fill it in using a black wet ink pen, sign all places consistently and attach supporting documents as required.
Need flexible financial solutions? Get the loans and funding you need to achieve your goals. Click below to explore your options and get started today!
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Loan tanpa pengesahan majikan is our newly packages for this year. It comes with three (3) attractive financing packages. Open to civil servants, GLC and private company. Deduction from Biro Angkasa. Get latest info here.
About Loan Without Employer Verification
This is our latest personal loans products called loan without employer verification. Many civil servants are waiting for this personal loans packages a long time ago. As a result of the difficulty in obtaining employer confirmation related to personal loans, here we bring good news to all government employees. Long time ago, Koperasi Kowaja was a pioneer for loans without employer confirmation. But this time, in 2021 the wait of almost 12 years has been answered. Apply your loan without employer verification without a doubt with us now!
Promotions Available
Option 1: Personal Loans Coshare KFH 3.88%
This 3.88% Coshare KFH Personal Loan is the latest promotion for 2021 for loan without employer verification and launched during Movement Control Order – MCO 3.0. This product has just been launched with a very attractive interest of only 3.88%.
For more information about these greatest personal loans promotion and how to apply, please click the link below. You can also find the application form and payment schedule (repayment table). This great and exciting product is a collaboration with Kuwait Finance House (KFH).
Option 2: Coshare JCL Personal Loan 6.65%
This 6.65% Coshare JCL Personal Loan Promotion is an option 2 of 3 loan without employer verificationpromotions launched simultaneously with the above package. Of course, many of us have been facing financial problems since the MCO 3.0 Movement Control Order was enhanced. This package is the solution to all your financial crises. Please click here for more information or click the button below
The Personal Loans Coshare JCL 7% is the last financing package under loan without employer verification launched simultaneously in 2021. Given the difficulties caused by the Covid-19 pandemic and the ongoing MCO Movement Control Order in Malaysia, this best financing package is launched without having to get your employer’s approval.
Remember ‘Protect Yourself … Protect All’.
FAQ
Is There Still Loan Tanpa Pengesahan Majikan?
Yes now there are loan without employer verification offered to government employees (AG) and police personnel. Please whatsapp your latest salary slip to 019-2983056 and we will inform you of this promptly. Or choose one of 3 personal loans package below and let us know via WhatsApp.
What are the Options of loan without employer verification?
First of all, all you need to do is to choose 1 from the 3 options below are Coshare KFH 3.88% personal loan, Coshare JCL 6.65% or Coshare JCL 7% and keep in touch with us via Whatsapp. Detailed information can be read below. Click on the financing package for full info.
What is the Best Personal Loan You Can Apply for in This Covid-19 Pandemic?
Many were affected by the high financial burden during Covid-19 pandemic. Therefore, we are pleased to launch the MCO personal loan promotion – Movement Control Order 3.0 for you. There are 3 financing schemes without employer confirmation (loan tanpa pengesahan majikan) that you can apply for, namely Coshare KFH 3.88%, Coshare JCL 6.65%and Coshare JL 7%. Just Whatsapp our hotline number at 019-2983056 to get more information and clarification on this best financing package ever.
Why Personal Loans Coshare is Your Best Choice?
Coshare is a trusted brand when it comes to government employees personal loans. Coshare is well-known and existed for the past 11 years or so around 2010 and the collaboration with Kuwait Finance House (KFH) with 100% financing (100% payout) turned out to be most successful personal financing for government staff.
Do not hesitant when you want to apply for this personal loans because it is based on shariah principles (Syariah Compliant) in collaboration with Kuwait Finance House (KFH).
Personal Loan Schedule of Payment
Best Loan Without Employer Verification: Summary
Article Title: Best Loan Without Employer Verification
Need flexible financial solutions? Get the loans and funding you need to achieve your goals. Click below to explore your options and get started today!
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RHB Bank Personal Loan RHB Bank offers financing up to RM150,000 with no guarantor required. Available for government, private sector, and selected GLC employees. It’s…
Bank Islam Personal Financing-i Bank Islam offers the best personal loan financing up to RM300,000 with Takaful coverage. Choose between flat rate or floating rate,…
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Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad KOPANISZA
Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu (Malaysia) Berhad atau nama singkatannya KOPANISZA ditubuhkan bertujuan untuk menjalankan aktiviti perniagaan yang menguntungkan dan membuka peluang perniagaan dan pekerjaan kepada anggota.
Sejarah KOPANISZA
Di samping dapat membantu kebajikan anggota dan keluarga.
Permohonan untuk menubuhkan Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad KOPANISZA telahpun diluluskan oleh Suruhanjaya Koperasi Malaysia pada 24/07/2013 dan Mesyuarat Agung Permulaan telah diadakan pada 27/07/2013 bertempat di Kelab Tasik Putrajaya dan diresmikan oleh Profesor Dr. Yahya Bin Ibrahim.
Sembilan (9) orang Anggota Lembaga Koperasi telah dipilih semasa Mesyuarat Agung
Permulaan adalah seperti berikut :-
EN. HUSSIN BIN GHANI – Pengerusi
EN. MOHD NASURDIN BIN ABDUL MUBIN – Setiausaha
EN. KIRAWAN ZEISWAR BIN KAMAROLZAMAN – Bendahari
HJ. MOHAMAD SAHAR BIN MAT DIN – Anggota Lembaga Koperasi
EN. MUHAMAD HAIZUAN BIN ROZALI – Anggota Lembaga Koperasi
EN. AHMAD SHUKRI BIN NGAH – Anggota Lembaga Koperasi
EN. WAN MAKHTAR BIN WAN KADIR – Anggota Lembaga Koperasi
EN. MORAD BIN AWANG – Anggota Lembaga Koperasi
EN. WAN SUHAIKIM BIN WAN SAIDI – Anggota Lembaga Koperasi
Fungsi Utama Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad (KOPANISZA)
Fungsi utama Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad KOPANISZA ialah Perkhidmatan dan aktiviti yang didaftarkan buat masa sekarang ialah Pemasaran, Pendidikan, ICT, Penganjuran Acara, Program Promosi, Latihan dan lain aktiviti yang akan diputuskan kemudian nanti.
Pejabat Operasi Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad ialah di 510A, Diamond Complex, Bangi Business Park, Bandar Baru Bangi, 43650 Bangi, Selangor Darul Ehsan.
Keanggotaan KOPANISZA terbuka kepada lepasan pelajar KUSZA, UDM dan UNISZA. Modal syer minima untuk setiap anggota yang telah didiluluskan di dalam Mesyuarat Agung
Permulaan ialah RM100.00 dan Yuran Masuk RM20.00.
Oleh kerana keanggotaan Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad KOPANISZA melibatkan seluruh Malaysia, Mesyuarat Agung Tahunan akan menggunakan kaedah perwakilan.
Kawasan perwakilan terbahagi kepada zon A dan zon B.
ZON A – KELANTAN, TERENGGANU, PAHANG, PERLIS, KEDAH, PULAU PINANG, PERAK.
ZON B – SELANGOR, WILAYAH PERSEKUTUAN, PUTRAJAYA, NEGERI SEMBILAN, MELAKA, JOHOR, SABAH, SARAWAK
Pada masa sekarang pihak Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad telahpun memajukan dokumen-dokumen yang berkaitan kepada Suruhanjaya Koperasi Malaysia (SKM) untuk didaftarkan.
Perjalanan aktiviti dan pendaftaran anggota Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad KOPANISZA hanya boleh dibuat selepas mendapat kelulusan pendaftaran daripada SKM.
Hubungi Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad
Alumni UniSZA Pejabat Hal Ehwal Pelajar & Alumni Universiti Sultan Zainal Abidin Kampus Gong Badak 21300 Kuala Terengganu.
Tel : 09-6687934
Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad KOPANISZA: Summary
Article Title: Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad KOPANISZA
Category: #koperasi #KOPANISZA #PersonalLoan
Purpose: #Promotion
Koperasi Product and Services
We cover all koperasi across Malaysia, providing a wide range of products and services. Explore the options below to discover useful information and easily contact the koperasi that meets your needs. Unlock the benefits of various koperasi offerings available nationwide!
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Koperasi KOSMAS Selangor: Pelaburan Masa Depan Anda Jana kekayaan masa depan anda dengan pelaburan di Koperasi KOSMAS Selangor. Pelajari lebih lanjut mengenai peluang pelaburan saham…
Koperasi Ladang Berhad (KLB) Koperasi Ladang Berhad (KLB) is a leading cooperative in Malaysia, specializing in high-quality fertilizers, fungicides, herbicides, and insecticides. Want to find…
Koperasi Iman (KOIMAN) Bergabunglah dengan Koperasi Serbaguna Iman Malaysia Berhad (KOIMAN) dalam bidang perladangan fidlot, pusat penyembelihan, dan ladang ternakan lembu Iman Farm. Selain itu,…
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Koperasi Anak Sains MARA Berhad KOASMARA Koperasi Anak Sains MARA Berhad KOASMARA was incorporated by alumni of MARA Junior Science College (MRSM), a special high…
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Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
KOPEN Personal Loan Koperasi Jabatan Penjara Malaysia Berhad is now offering a personal financing to its member with loan amount up to RM150,000. Apply now!
About KOPEN Personal Loan Koperasi Jabatan Penjara Malaysia Berhad
Koperasi Jabatan Penjara Malaysia Berhad or KOPEN is an organization registered under the Malaysian Cooperatives Ordinance No. 33 of 1984. It was established on the 6th. November 1981.
Cooperative Main Activities
Provide saving and financing services to members of the Cooperative
Bai Al-Inah Personal Loans
Bai Al-Inah Personal Loans is up to RM150,000.00 according to eligibility (cooperative circular no: 01/2006 salary deduction limit is 60% of total income) with an interest rate of 5.9% per annum.
Applicant
Loan form
1 copy of bank account
2 pieces of identity card (Verified)
2 latest payslips – 1 month (Verified)
Guarantor
RM 5000 on 2 KOPEN members
1 piece of current salary slip
Consumer Personal Loans
The Koperasi KOPEN Consumer Personal Loans include electrical goods loans (up to RM20,000.00), jewelery loans (RM20,000.00), mobile phone loans (RM10,000.00) and computer loans of all types and are limited to RM10,000.00.
Meanwhile, for motorcycle loans, the amount of personal loans allowed up to RM20,000.00, furniture loans up to RM20,000.00, education loans (RM10,000.00) and tourism loans are limited to RM20,000.00.
Other consumer personal loans for members of Koperasi Jabatan Penjara Malaysia Berhad are housing loans and also loans to buy a car and the value of this loan is up to RM150,000.
For those who already have a home, applicants can apply for a home improvement loan with a max loan of up to RM150,000.00. For members who have a business can apply for a Business Working Capital Loan up to RM150,000.00.
Other forms of personal loans to members are such as Marriage Loan (up to RM10,000.00), Pedang Istiadat Loan, Car & Motorcycle License Loan (Metro Driving / Surfine and Road Tax Renewal Loan & Vehicle Insurance.
Koperasi Jabatan Penjara Malaysia Berhad also assists in providing Sun Glasses Making Loans (Permata Optical) and Bicycle Purchase Loans.
Pinjaman Peribadi 90% atas yuran
Pinjaman Peribadi 90% atas yuran terkumpul semasa dengan kadar faedah 3% setahun.
Other Services
Etiqa Takaful Group Insurance/ Death Benefit Scheme
KOPEN provides Etiqa Takaful group insurance facility for members with a minimum deduction of RM 10/month. For the death benefit scheme (skim khairat kematian), Koperasi Jabatan Penjara Malaysia Berhad will deduct a total of RM 100.10/year from the member’s account to entitle the member, spouse and children to receive benefits in the event of death. If you are a member of Koperasi Jabatan Penjara Malaysia Berhad for RM 20,000.00, a couple of RM 3000.00 and a child aged one week to 21 years a maximum of 4 people will get RM 700.
Koperasi Other Activities
The following are the Koperasi other activities as below:-
Member money savings
Personal financing
Consumer financing
Etiqa Takaful Agent / Takaful Ikhlas
Building / residential rental
Vacation in Port Dickson
Organizing umrah / holiday activities
Pasarmini Kopeniaga
Supply of necessities for prisoners
Supply of safety equipment
Supply of telecommunication equipment
Supply of uniforms and accessories
Organize motivational and training camps
Provide catering services
Koperasi Membership
The membership for 2017 is 8,158 members and the membership fee capital for December 2017 is RM 30,754,440.39. KOPEN’s total assets as of December 2017 were 48,085,410.81
Contact Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)
KOPERASI JABATAN PENJARA MALAYSIA BERHAD NO. 17, JALAN PUSAT PERNIAGAAN 2 PUSAT PERNIAGAAN SUNGAI JELOK 43000 KAJANG, SELANGOR DARUL EHSAN Tel: 03-87415541 Fax: 03-87416641 E-Mail: admin@kopen.com.my
Koperasi Jabatan Penjara Malaysia Berhad (KOPEN): Summary
Article Title: Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)
Category: #Koperasi #KOPEN #PersonalLoan
Purpose: #GeneralInformation #Promotion
Koperasi Loan Promotions
Looking for an attractive koperasi loan offer? Check out our koperasi loan promotions now! Enjoy competitive interest rates, an easy application process, and quick approval. Click below to explore the options and choose the loan that fits your financial needs!
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Welcome to Koperasi Guru-Guru Sekolah India Perak KOPINDPK. If you would like to apply a personal loan, please contact us for assistance. We are located in Jalan Tun Abdul Razak, Ipoh Perak. You can ask anything about the product and business of Koperasi Guru-Guru Sekolah India Perak KOPINDPK.
What is Biro Angkasa?
Biro Angkasa atau acronym as ANGKASA is a body responsible for managing the salary deduction of employees in Malaysia. Most government employees benefit from these SPACE cuts. For example, you do not need to go to a bank or cooperative branch to settle the monthly installment payment. It is usually referred as BPA or Biro Perkhidmatan Angkasa.
Personal Financing Koperasi Guru-Guru Sekolah India Perak KOPINDPK
Terdapat enam (6) jenis pinjaman peribadi Koperasi Guru-Guru Sekolah India Perak KOPINDPK yang boleh anda mohon dengan kadar interest yang mengkagumkan dan dashyat. Sila lihat maklumat terperinci dibawah.
Pinjaman Kredit Koperasi Guru-Guru Sekolah India Perak KOPINDPK
Among the advantages that you can enjoy if you apply for Koperasi Guru-Guru Sekolah India Perak KOPINDPK are as follows:
Competitive profit rates only 5% per annum.
Up to 90% financing.
Fast approval process of 24-48 hours.
Financing period 10 years.
Fresh loan is allowed.
Pinjaman Pendidikan
Interest rate 5%
Max loan up to RM30,000
Repayment up to 72 months
Approval 24-48 hours only!
Pinjaman Kredit 5.00% /p.a
Interest rate 5%
Up to 90% financing
Fast approval 24-48 hours only!
Repayment 120 months
Pinjaman Insurans Kenderaan 2.00%/p.a
The lowest interest rate in town right now!
Max loan amount RM5,000
Payment up to 24 months
Express approval process 24-48 hours
Pinjaman Konsumer/ Pelancongan 3.00%/p.a
Interest rate 3% lowest right now
Max loan up to RM15,000
Repayment up to 72 months
Approval 24-48 hours only!
Pinjaman Berjamin 5.00%/p.a
Interest rate 5%
Max loan amount RM100,000
Fast approval 24-48 hours only!
Repayment 120 months
Pinjaman Kecemasan 5.00% /p.a
The lowest interest rate only 5%
Max loan amount RM10,000
Payment up to 72 months
Express approval process 24-48 hours
Contact Koperasi Guru-Guru Sekolah India Perak KOPINDPK
Koperasi Guru-Guru Sekolah India Perak KOPINDPK 10F, Jalan Tun Abdul Razak 30100, Ipoh, Perak. Malaysia. Tel: 05-506 1014 E-Mail: kgsipkbhd@yahoo.com.my
What happened if you are blacklisted from Banks?
If you are being blacklisted by the banks because of late payment or debt arrears, and you feel here to help you for your financial. Do not worry because you can apply personal financing with the cooperatives. We are focusing on koperasi loan such as Coshare, Yayasan Ihsan Rakyat YIR, Koperasi Konsumer Malaysia Berhad KKMB and many more! All you have to do is to contact us with this number 0192093056. We will come back to you as soon as possible. We are authorize personal financing agent throughout Malaysia. Contaft us now!
Koperasi Guru-Guru Sekolah India Perak (KOPINDPK): Summary
Article Title: Koperasi Guru-Guru Sekolah India Perak (KOPINDPK)
Category: #Koperasi #KOPINDPK #PersonalLoan
Purpose: #Promotion
Koperasi Loan Promotions
Looking for an attractive koperasi loan offer? Check out our koperasi loan promotions now! Enjoy competitive interest rates, an easy application process, and quick approval. Click below to explore the options and choose the loan that fits your financial needs!
Alliance Bank Personal Loans Get financial help with low interest rates and minimal extra fees through Alliance Bank Personal Loans. Enjoy an exclusive rate of…
Koperasi Tentera (KATMB) Express Loans Koperasi Tentera (KATMB) provides Express Loans 1, 2, and 3 for various individuals and purposes, with a maximum loan amount…
Koperasi Tentera (KT): Personal Loans Personal loans from Koperasi Tentera (KT) are financing options specifically for the armed forces (anggota tentera Angkatan Tentera Malaysia (ATM))….
Personal Loans Koperasi Komuja – Apply with High CCRIS or CTOS Koperasi Komuja offers exclusive personal loan packages for government employees and statutory bodies, even…
Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM) Apply for a personal loan with Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM) and receive financing up to…
Personal Loan UitmKoop Koperasi Kakitangan UiTM Berhad UitmKoop or Koperasi Kakitangan UiTM Berhad is offering staff personal loan with interest rate as low as 4%…
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OCBC Bank Personal Loans is the only cash financing you need. MCCM Resources is for civil servants. Apply now and enjoy great benefits such as low interest rate, fix and flat rates, fast approving etc. You can also enjoy high payout means more money you get in your bank accounts.
OCBC Bank Personal Loans Financing Summary
Bank Name: OCBC Bank Personal Loans Financing
Abbreviation / Code Name: –
Bank Promotion Name: General Info
Personal Loan Promotion Period: ~ call for confirmation ~
What are OCBC Bank Personal Loans?
Discover how our products – Deposits, Financing, Investment and Takaful – can help you grow your personal wealth and assist you when you need it most, regardless of which life-stage you are in.
About OCBC Bank
Discover how our OCBC Bank products – Deposits, Financing, Investment and Takaful – can help you grow your personal wealth and assist you when you need it most, regardless of which life-stage you are in. OCBC Personal Financing Loan that all you needs. Overseas Bank with caters all local requirements. Please stay on the line for the new announcement with great offers.
OCBC Al-Amin offers simple and easily accessible Shariah compliant personal loan/financing service that have your best interest in mind. The suite of products give you advance cash at affordable rate and monthly payment to lighten your financial burden.
Everything you need, and nothing you don’t
Our tailor-made cash financing solutions give you:
Fast approval. Fast cash.
No collateral. No guarantor.
Financing amount of up to RM150,000.
Fixed monthly instalments from as low as RM100 per month.
Extended financing tenure up to 10 years.
Pledge your assets for extra cash
Get standby funds up to the approved credit limit
Access extra cash
Interest is charged only on amount used, depending on collateral pledged
OCBC Bank Personal Loans Interest rates
Interest rates are dependent on the collateral pledged. Call us at 03 8317 5000 for more information.
Talk to us to find out more
Consult our customer service officers and get free advice for your education loan needs with no obligations. Call us at 03 8317 5000.
*source from OCBC Bank malaysia website
Hashtag / Keywords
#personalloan #Bank #OCBC
Contact OCBC Bank
Tel: 603-8314 9310 (Al-Amin) / 03 8317 5000 Personal Banking Telephone Hotline: 03 8314 9310 Business Banking Hotline: 1300 88 0255 (or 603-83149090 if you are calling from overseas)
Menara OCBC No. 18 Jalan Tun Perak 50050 Kuala Lumpur
RHB Bank Personal Loan offerings Personal Financing-i Loan for government and private sector. No advance payment and promotion rate as low as 4.20% flat rate up to RM150,000. Apply now!
RHB Bank Personal Loan Summary
Bank Name: RHB Bank Personal Loan
Abbreviation / Code Name: RHB
Bank Promotion Name: General Info
Personal Loan Promotion Period: ~ call for confirmation ~
Open to: All
Max Loan Amount: RM150k
Is RHB Bank Personal Financing-i Loan offered to Government staff?
Yes. You can apply directy to the nearest RHB Bank or whatsapp your particular details including your latest payslip inside.
About RHB Bank Personal Financing-i Loan
Whether it is to celebrate life’s big moments or exploring life’s opportunities or start something meaningful, our RHB Bank Personal Financing-i Loan can assist you in achieving your dreams. In fact, you can also consolidate your debts with us to better manage your finances and provide for your loved ones’ needs.
Eligibility
Private Sector
Profit Rate
As low as 8.18% p.a. (equivalent to 15% p.a.)
Benefits
Financing of up to RM150,000
On-the-spot approval and disbursement
As low as RM 57.54/month
Up to 7 years tenure
Debt consolidation
Monthly Repayment Method
Self-payment
Auto debit instructions
Instant approval & disbursement
RHB Personal Financing is an option that is convenient and flexible at the same time, with reasonable interest rates for an affordable monthly installment repayment.
Repayment Table and Interest Rate
Repayment Table
Please visit RHB Bank Official Website to view the the latest repayment table
Interest Rate
Please refer to Bank Official Website to view the interest rate table
Download Personal Financing Forms
You may download the PF Forms at Bank Official Website. Complete the form and send it back to RHB Bank.
Get RHB Bank Personal Financing
Get Personal Financing for an ideal lifestyle! For as low as RM57.54* per month, get RM2,000 and more! Sign up now to enjoy these key benefits:
Stretch it out to 7 years
Repayment period from 1 to 5 years
Financing amount from RM2,000 to RM150,000
Financing amount capping and Interest Rates as below
*The rates stated above are based on a flat rate and vary according to the repayment period from 12 months onwards.
Tier 1: from 13.45%p.a. flat that is equivalent to EIR 24% p.a;
Tier 2: from 11.66% p.a. flat that is equivalent to EIR 21% p.a.;
Tier 3: from 9.91% p.a. flat that is equivalent to EIR 18% p.a.;
Tier 4: from 8.18% p.a. flat that is equivalent to EIR 15% p.a.
The EIR (effective interest rate) may be higher if the monthly payment is not reqular.
Personal Financing-i for Private Sector
Get access to funds, easier and faster. Contact the nearest RHB Bank brachces today for more details.
Customer Care Centre
Our customer service team is your first point of contact for raising complaints or providing feedback. Talk to our staff at your nearest Branch, or call our Customer Care Centre. We will do our best to help resolve any issue you may have.
For email communications, we appreciate if you can include the following details within your email for us to serve you more efficiently:
MyKad Identification Number/Passport Number
RHB Account Number
Contact Number
Our specialist will work closely with you to resolve any complaint you may have quickly and amicably. If you have a compliment or suggestion, they will ensure your feedback is shared with the relevant teams.
Upon received of your complaint/feedback, our customer service officer will contact you within 2 working days and we’ll attempt to resolve it as promptly as possible.
*For Insurance related matters, please call 1300-220-007 from Monday to Thursday (8.45am – 5.4pm) and Friday (8.45am – 5.45pm). Alternatively, visit our RHB Insurance page for more information.
i Loan
8.18%
/p.a
Financing RM150,000
Fast approval
7 years repayment
Tier Loan
8.18%
/p.a
8.18% to 13.45% Interest rate
Max financing RM150K
Loan tenure 7 years
Instant approval
Government Loan
4.20%
/p.a
Maximum loan RM150,000
10 years loan
No guarantor
RHB Bank Personal Financing-i Loan Tiers
Tier 1:
Financing Amount Capping: RM2,000 RM10,000
Int Rate (p.a.) 13.45%
Maximum Financing Tenure 5 Years (60 Months)
Tier 1:
Financing Amount Capping: RM11,000 RM15,000
Int Rate (p.a.) 13.45%
Maximum Financing Tenure 5 Years (60 Months)
Tier 2
Financing Amount Capping: RM16,000 RM50,000
Int Rate (p.a.) 11.66%
Maximum Financing Tenure 7 Years (84 Months)
Tier 3
Financing Amount Capping: RM51,000 RM99,000
Int Rate (p.a.) 9.91%
Maximum Financing Tenure 7 Years (84 Months)
Tier 4
Financing Amount Capping: RM100k RM150k
Int Rate (p.a.) 8.18%
Maximum Financing Tenure 7 Years (84 Months)
RHB Bank Personal Financing for Government Servants
Loan : RHB Bank Personal Financing for Government Servants criteria are as follow:
No advance payment
Promotion rate as low as 4.20% (flat rate)
Loans from RM2,000 to RM150,000
Repayment Tenure from 2 to 10 years
No guarantor needed
*Terms and conditions apply
*source from RHB Bank malaysia website
Hashtag / Keywords
#personalloan #Bank #RHB
Contact RHB Bank Personal Loan
Tel: 1-300-88-8742 / 03-9206 8118
customer.service@rhbgroup.com
Ground Floor, RHB Centre, 426, Jalan Tun Razak, Kelab Golf di Raja Selangor, 50400 Kuala Lumpur
Koperasi Pengusaha Pekerja Malaysia Berhad KPPMB provides tawarruq and murabaha concept of personal loans with low rate and was legal to become a member of Angkasa Berhad Sharia Financing Cooperative on January 27, 2015
Koperasi Pengusaha Pekerja Malaysia Berhad KPPMB Summary
Koperasi Name: Koperasi Pengusaha Pekerja Malaysia Berhad
Abbreviation / Code Name: KPPMB
Koperasi Promotion Name: General Info about Koperasi Pengusaha Pekerja Malaysia Berhad KPPMB
What is Personal Loans Koperasi Pengusaha Pekerja Malaysia Berhad (KPPMB)
This Personal Loans Koperasi Pengusaha Pekerja Malaysia Berhad (KPPMB) are used tawarruq and murabaha concept to cooperative member. Apply now!
About Koperasi Pengusaha Pekerja Malaysia Berhad KPPMB
Koperasi Pengusaha Pekerja Malaysia Berhad has also been registered under subsection 7(1) of the Basic Co-operative Societies Act with limited liability on 20th June 2006.
Koperasi Pengusaha Pekerja Malaysia Berhad (KPPMB) was registered under subsection 18(3) of the Co-operative Societies Act 1993 on 13th September 2018. The financial products, services and facilities offered by Koperasi Pengusaha Pekerja Malaysia Berhad are based on kppmb’s Shariah concept offering financing packages such as Ordinary Financing (Tawarruq) and Murabahah Financing (Murabahah).
Our Mission
Our mission is to work with our experts. With cooperation, experts will be able to synergize their energy for a common purpose. Virtue, financial freedom and the common goal of achieving prosperity are our beliefs.
Personal Loans Products
Tawarruq Personal Loans Koperasi Pengusaha Pekerja Malaysia Berhad
Tawarruq Personal Loans refers to a commodity or asset sale transaction based on a deferred payment on a Murabahah basis (i.e. the cost price of the asset plus a profit margin) or Musawamah (i.e. a trade that does not disclose the cost price of the asset and profit margin) from the seller to the buyer, and then the commodity or asset will be sold in cash to a third party (other than the original seller) to obtain cash. It is also known as the Murabahah Commodity.
This concept is used in the structure of deposit products, financing, asset management and risk dependents.
Murabaha Personal Loans
Murabaha Personal Loans refers to a purchase and sale transaction in which the cost price of the asset and profit margin have been known to the buyer and agreed upon by the contracting party. Payment of the sale price can be made in full or on a partial basis.
https://kppmb.com.my
Hashtag / Keywords
#koperasi #personalloan #KPPMB
Contact Koperasi Pengusaha Pekerja Malaysia Berhad KPPMB
Koperasi Nesa by encouraging members to be involved in asset acquisition, especially small holdings, providing the necessary financial backing and inspiring them to engage in savings activities through Nesa as well as offering economic opportunities to members will guide them towards improving their socio-economic status.
VISION
Koperasi Nesa Pelbagai Berhad, as an exceptional co-operative society, is focussed towards uplifting the socio-economic status of its members through transparency, integrity and reliability
Koperasi Nesa Pelbagai Berhad Loan Scheme
Mortgage and Surety Loans to Koperasi Nesa Pelbagai Berhad Members.
Loan Categories
Collateral
Maximum % on Collateral
Loan Repayment Period
Interest Rate (Annual Rest)
Mortgage
Property
70%
5 years
10% p.a. with rebate of 2% for repayments without default
Surety
Savings,Share Capital of Borrowers & 3 Sureties
80%
2 years
8% p.a.
What is Koperasi Nesa Pelbagai Berhad?
Koperasi Nesa Pelbagai Berhad personal loan scheme are mortgage and surety loans. For membership requirements must be Malaysian citizen. Click here for more info
Other Koperasi Nesa Pelbagai Berhad Services
Koperasi Nesa Pelbagai Berhad Education Fund / Merit Awards
Since 2002, the Annual Academic Merit Awards are presented to Koperasi Nesa Pelbagai Berhad members’ children who have excelled in their SPM and STPM examinations. The Awards with cash gift of RM100.00 for each subject scored with ‘A’ grade are given out to students who have scored minimum 4A in SPM and 2A in STPM.
The student’s mother or father must be a current valid member with a minimum share capital of RM1000.00 as on 31.12.2019. Members may submit their application letters for the Awards giving their membership particulars and with certified copy of their children’s exam results and copy of children’s My Kad. Application letters for Year 2019 Awards should reach by 30th September 2020.
Banking Facility through Bank Simpanan Nasional (BSN)
Koperasi Nesa Pelbagai Berhad members can avail the Bank Simpanan Nasional (BSN) facilities to subscribe and make payments to through BSN A/C No.14-10029-000-4619-25. The facility is available at more than 380 BSN branches and over 600 BSN ATM centres spread nationwide.
Housing Schemes
Koperasi Nesa Pelbagai Berhad has been undertaking housing developments in various parts of the country. At present in Rantau (Negeri Sembilan) the development of 62 units of property of single storey semi-detached houses, 5 units of double storey bunglow houses and 1 unit of single storey bunglow is being proceeded with. Members interested in participating are requested to call Ms.Vanes @ 0172673921
Note : 1 Double Storey Bunglow House & Single Storey Semi-Detached Houses Are Available.
Koperasi Nesa Pelbagai Berhad Membership Requirements
Koperasi Nesa Pelbagai Berhad Membership Qualification
Applicant must be Malaysia citizen.
Must be above 18 years of age
Must be a resident or be employed or be in ownership of land in Malaysia.
Must not be a person against whom a conviction stands for a registrable offence or be mentally disabled, or is an undischarged bankrupt or expelled from membership of any co-operative society and a period of one (1) year has not lapsed from the date of expulsion.
Application for Koperasi Nesa Pelbagai Berhad Membership
Application to become a member must be made in Nesa Membership Application Form and addressed to the Secretary.
The Application Form must be fully completed and duly signed.
The Form must also be signed by a proposer and seconder, both of them shall be members of the cooperative.
New Applicants who are 50 years of age and below must subscribe minimum 1,000 shares (RM 1,000.00) and applicants above 50 years of age must subscribe minimum 3,000 shares (RM 3,000.00).
The Application Form must also be accompanied by an Entrance Fee of RM50.00. The Entrance Fee will be refunded to the Applicant if the application is rejected.
Former members owho apply for re-membership are charged an Entrance Fee of RM100.00.
Nominee or a legal representative of a deceased member who applies for membership within six months after the death of the member will not be charged Entrance Fee.
Personal Loans Koperasi Nesa Pelbagai Berhad Reviews Reviews
Customer Reviews about Personal Loans Koperasi Nesa Pelbagai Berhad Reviews
Personal Loans Koperasi Nesa Pelbagai Berhad provides education fund. BSN banking facility and housing schemes. Click here for more info and membership
Personal Loans Koperasi Nesa Pelbagai Berhad provides education fund. BSN banking facility and housing schemes. View this cooperative in Malaysia here.
Personal Loans Koperasi Nesa Pelbagai Berhad Summary
Koperasi Name: Koperasi Nesa Pelbagai Berhad
Abbreviation / Code Name: –
Koperasi Promotion Name: General Info about Personal Loans Koperasi Nesa Pelbagai Berhad
What is Koperasi Nesa Pelbagai Berhad
Koperasi Nesa Pelbagai Berhad personal loan scheme are mortgage and surety loans. For membership requirements must be Malaysian citizen. Click here for more info
About Koperasi Nesa Pelbagai Berhad
MISSION
Koperasi Nesa by encouraging members to be involved in asset acquisition, especially small holdings, providing the necessary financial backing and inspiring them to engage in savings activities through Nesa as well as offering economic opportunities to members will guide them towards improving their socio-economic status.
VISION
Koperasi Nesa Pelbagai Berhad, as an exceptional co-operative society, is focussed towards uplifting the socio-economic status of its members through transparency, integrity and reliability
Loan Scheme Koperasi Nesa Pelbagai Berhad
Mortgage and Surety Loans to Member
Loan Categories
Collateral
Maximum % on Collateral
Loan Repayment Period
Interest Rate (Annual Rest)
Mortgage
Property
70%
5 years
10% p.a. with rebate of 2% for repayments without default
Surety
Savings,Share Capital of Borrowers & 3 Sureties
80%
2 years
8% p.a.
Other Services
Koperasi Nesa Pelbagai Berhad Education Fund / Merit Awards
Since 2002, the Annual Academic Merit Awards are presented to Koperasi Nesa Pelbagai Berhad members’ children who have excelled in their SPM and STPM examinations. The Awards with cash gift of RM100.00 for each subject scored with ‘A’ grade are given out to students who have scored minimum 4A in SPM and 2A in STPM.
The student’s mother or father must be a current valid member with a minimum share capital of RM1000.00 as on 31.12.2019. Members may submit their application letters for the Awards giving their membership particulars and with certified copy of their children’s exam results and copy of children’s My Kad. Application letters for Year 2019 Awards should reach by 30th September 2020.
Banking Facility through Bank Simpanan Nasional (BSN)
Koperasi Nesa Pelbagai Berhad members can avail the Bank Simpanan Nasional (BSN) facilities to subscribe and make payments to through BSN A/C No.14-10029-000-4619-25. The facility is available at more than 380 BSN branches and over 600 BSN ATM centres spread nationwide.
Housing Schemes
Koperasi Nesa Pelbagai Berhad has been undertaking housing developments in various parts of the country. At present in Rantau (Negeri Sembilan) the development of 62 units of property of single storey semi-detached houses, 5 units of double storey bunglow houses and 1 unit of single storey bunglow is being proceeded with. Members interested in participating are requested to call Ms.Vanes @ 0172673921
Note : 1 Double Storey Bunglow House & Single Storey Semi-Detached Houses Are Available.
Membership Requirements
Koperasi Nesa Pelbagai Berhad Membership Qualification
Applicant must be Malaysia citizen.
Must be above 18 years of age
Must be a resident or be employed or be in ownership of land in Malaysia.
Must not be a person against whom a conviction stands for a registrable offence or be mentally disabled, or is an undischarged bankrupt or expelled from membership of any co-operative society and a period of one (1) year has not lapsed from the date of expulsion.
Application for Koperasi Nesa Pelbagai Berhad Membership
Application to become a member must be made in Nesa Membership Application Form and addressed to the Secretary.
The Application Form must be fully completed and duly signed.
The Form must also be signed by a proposer and seconder, both of them shall be members of the cooperative.
New Applicants who are 50 years of age and below must subscribe minimum 1,000 shares (RM 1,000.00) and applicants above 50 years of age must subscribe minimum 3,000 shares (RM 3,000.00).
The Application Form must also be accompanied by an Entrance Fee of RM50.00. The Entrance Fee will be refunded to the Applicant if the application is rejected.
Former members owho apply for re-membership are charged an Entrance Fee of RM100.00.
Nominee or a legal representative of a deceased member who applies for membership within six months after the death of the member will not be charged Entrance Fee.
Koperasi Siswazah Bangi Berhad KSBB offers education-based programs that lead towards educational innovation in facing the era of Industrial Revolution 4.0. Apply personal loan today. Contact us now for more info!
Koperasi Siswazah Bangi Berhad KSBB Summary
Koperasi Name: Koperasi Siswazah Bangi Berhad
Abbreviation / Code Name: KSBB
Koperasi Promotion Name: General Info about Koperasi Siswazah Bangi Berhad KSBB
What is Koperasi Siswazah Bangi Berhad (KSBB) Interest-Free Education Loan?
Koperasi Siswazah Bangi Berhad offers KSBB’s Interest-free Education Loan for undergraduates of the Executive UKM Master of Education Programme and who have paid a minimum tuition fee of RM1,500 and are enrolled in study. Find more info here.
About Koperasi Siswazah Bangi Berhad KSBB
Koperasi Siswazah Bangi Berhad (KSBB) established in 2016 provides interest free educational loan. This personal loans is open to students and given by group. The establishment of this cooperative aims to provide space for postgraduate students to make cooperatives medium to conduct service-based business.
Personal Loans Koperasi Siswazah Bangi Berhad provides opportunities for graduates to venture into entrepreneurship and business directly. KSBB is committed and committed to creating a conducive and friendly environment with customers, employees, suppliers and the surrounding community.
Provide an authorisation platform to members to offer consultancy services
Building business and social networks
Provide training opportunities to members in bargaining service offerings
Encourage cooperation among members and move in groups
PROGRAMS IMPLEMENTED BY Koperasi Siswazah Bangi Berhad (KSBB)
SME Education Undergraduate Program Executive Mod School Leave
Global Digital University
English Language Camp “The Finland Way”
Seminar on Transdisciplinary Education (STED)
Learning Management System
TAKE THE FIRST STEP TO YOUR FUTURE
Koperasi Siswazah Bangi Berhad KSBB is an Executive UKM Graduate Programme Consultant. This programme aims to offer a Master of Education School Holiday Mode Course which provides special routes to educators through special packages
Koperasi Siswazah Bangi Berhad offers** KSBB’s Interest-free Education Loan for undergraduates of the Executive UKM Master of Education (School Leave Mode)
KSBB’s INTEREST-FREE EDUCATION LOAN TERMS
Open to students for the Master of Education Programme of the Executive UKM (School Holidays Mode) who have paid a minimum tuition fee of RM1,500 and are enrolled in study.
Malaysian.
45 years old and under.
Have a steady job.
Not blacklisted in CTOS.
Can’t withdraw from studies.
Loans are given by GROUP (3 students for 1 group) in Semester 2 and Semester 3 studies with a value of RM5,000 per student or RM15,000 per group.
Each member of the group must fill in the application form.
Approval of the loan will be considered after the application is completed and meets the specified conditions.
A processing fee of RM100 per person (for agreement, stamping,CTOS search, document delivery etc) is charged upon approval of the loan application.
Refund guarantee is in groups after graduation (beginning January).
The final date of acceptance of the application is on the MAC each year.
Don’t miss this opportunity!!!
For more information, please contact Koperasi Siswazah Bangi Berhad or join the following telegram group:
Pusat Pengajian UKM Bangi : Iptar School Kota Samarahan SARAWAK : Kota Kinabalu SABAH School of Studies : IPG Kota Bharu School :
**Subject to terms and conditions
Students can apply for loans/scholarships after obtaining a letter of offer and enrolling in the Executive UKM Master of Education Programme (school leave mode).
Among the financial resources:-
PTPTN
KWSP
Bank Rakyat
State Foundation
Personal Loan
https://koperasisiswazah.com
Hashtag / Keywords
#koperasi #personalloan #KSBB
Contact Koperasi Siswazah Bangi Berhad KSBB
Tel: 013-263 3315
Koperasi Siswazah Bangi Berhad Universiti Kebangsaan Malaysia, Aras 1, Bangunan Pentadbiran Kolej Keris Mas, Jalan Wira, UKM, 43600 Bangi, Selangor
Personal Loan Koperasi BUMIRA Malaysia Berhad offering financing for Hari Raya Aidilfitri and Aidiladha, education loan, umrah loan etc. There are six (6) personal financing packages you can choose and the most popular is personal loan (cash) and umrah loan. Visit here for more info about this lovely cooperative.
Personal Loan Koperasi BUMIRA Malaysia Berhad Summary
Koperasi Name: Koperasi BUMIRA Malaysia Berhad
Abbreviation / Code Name: –
Koperasi Promotion Name: General Info about Personal Loan Koperasi BUMIRA Malaysia Berhad
What types of Personal Loan offered from Koperasi BUMIRA Malaysia Berhad?
You can apply Personal Loan Koperasi BUMIRA Malaysia Berhad such as pembiayaan khas hari raya aidiladha, special financing for hari raya aidilfitri, education financing and pembiayaan khas cat kereta. Apart from that are pembiayaan khas basikan and pembiayaan khas umrah & ziarah. Get more info here and how to apply.
About Personal Loan Koperasi BUMIRA Malaysia Berhad
This cooperative is wholly owned by bumiputra at Lot 3.28 & 3.29, Second Floor Medan MARA, Jalan Raja Laut, 50350 Kuala Lumpur.
A company established on 1 September 1972 under the name Syarikat Kerjasama Serbaguna Bumira Berhad.
Ten years later, the name of the company was changed to Koperasi Bumira Berhad. The purpose of this cooperative was to carry out the functions of credit, consumer, housing, plantation and transportation. More on the form of loans to members consisting of MARA office staff. Nearly 90% of its members are bumiputra. The objective of this cooperative in accordance with subsection 4 (1) of the Act is to increase the economic interest of its members in accordance with the principles of co-operatives.
COOPERATIVE PRINCIPLES
Voluntary and open membership Cooperative Society is a voluntary organization, open to anyone who can use the services it offers and willingly accepts responsibility as a member, regardless of gender, social differences, race, political or religious beliefs.
Democratic control by members Cooperatives are democratic organizations, controlled by their own members actively involved in police and decision making. Men and women, who are appointed as representatives have a responsibility towards the members. For basic cooperatives, members have equal voting rights (one member per vote) and cooperatives at other levels are also managed democratically.
Involvement of members in economic activities Members contribute equally to the cooperative capital and control it democratically. At least part of the capital is property with co-operative societies. Members often receive limited compensation, if any, on capital contributed as part of the terms of membership. The members provide finance for one or all of the following purposes: developing cooperatives, by providing reserves, where a portion of the reserves cannot be divided, as well as benefiting the members according to their tranxic amount with the co-operative society, and supporting other activities agreed by the members.
Freedom and autonomy Cooperatives are autonomous and independent organizations controlled by their members. If they enter into any agreement with other organizations, including with the government, or increase capital from outside sources, they do so on conditions that ensure democratic control is still in the hands of members while still maintaining their autonomy.
Education, training and information The Cooperative provides education and training for its members, selected institutions, managers and employees so that they can contribute effectively to the progress of the cooperative. The cooperative conveys information to the public- especially young people and community leaders regarding the issues and benefits of cooperatives.
Cooperation among cooperatives Cooperatives help its members more effectively while strengthening the cooperative movement by working together at local, regional, national and international levels.
Concerned about the community While focusing on the needs of the co-operative members, they also strive to develop society in a sustainable manner through policies accepted by its members.
Personal Loan Koperasi BUMIRA Malaysia Berhad
You can apply personal loan Koperasi BUMIRA Malaysia Berhad based on current promotion and special financing scheme as below:-
PEMBIAYAAN KHAS KOPERASI BUMIRA MALAYSIA BERHAD (HARI RAYA AIDIL ADHA) Had Maksima : RM 3,500.00 Borang : Borang Pembiayaan Khas Borang Penerimaan Pembiayaan 1 salinan MyKad, Slip Gaji Mei & Jun dan dokumen berkaitan.
SPECIAL FINANCING OF HARI RAYA KOPERASI BUMIRA MALAYSIA BERHAD Had Maksima : RM 3,500.00. 1 copy of MyKad, March & April Salary Slip and related documents.
KOPERASI BUMIRA SPECIAL FINANCING (EDUCATION) Maximum Limit : RM 5,000.00 Refund : 24 Months Form: Special Education Financing Form Financing Acceptance Form (2 copies) 1 copy of MyKad, latest Salary Slip and related documents.
PEMBIAYAAN KHAS CAT KERETA KOPERASI BUMIRA MALAYSIA BERHAD
PEMBIAYAAN KHAS BASIKAL KOPERASI BUMIRA MALAYSIA BERHAD
PEMBIAYAAN KHAS (UMRAH & ZIARAH) KOPERASI BUMIRA MALAYSIA BERHAD Had Maksima : RM 10,000 Bayaran balik: 12-60 Bulan Borang : Borang Pembiayaan Khas, Borang Penerimaan Pembiayaan (2 salinan), Borang Pengakuan Penjamin 1 salinan MyKad, Slip Gaji terkini dan dokumen berkaitan. * Pembiayaan Khas dibuka apabila ada iklan
Koperasi BUMIRA (M) Berhad is wholly owned by bumiputra at Lot 3.28 & 3.29, Second Floor Medan MARA, Jalan Raja Laut, 50350 Kuala Lumpur.
A company established on 1 September 1972 under the name Syarikat Kerjasama Serbaguna Bumira Berhad.
Ten years later, the name of the company was changed to Koperasi Bumira Berhad. The purpose of this cooperative was to carry out the functions of credit, consumer, housing, plantation and transportation. More on the form of loans to members consisting of MARA office staff. Nearly 90% of its members are bumiputra. The objective of this cooperative in accordance with subsection 4 (1) of the Act is to increase the economic interest of its members in accordance with the principles of co-operatives.
What types of Personal Loan offered from Koperasi BUMIRA Malaysia Berhad?
You can apply Personal Loan Koperasi BUMIRA Malaysia Berhad such as pembiayaan khas hari raya aidiladha, special financing for hari raya aidilfitri, education financing and pembiayaan khas cat kereta. Apart from that are pembiayaan khas basikan and pembiayaan khas umrah & ziarah. Get more info here and how to apply.
Koperasi BUMIRA Malaysia Berhad Principles
Voluntary and open membership Cooperative Society is a voluntary organization, open to anyone who can use the services it offers and willingly accepts responsibility as a member, regardless of gender, social differences, race, political or religious beliefs.
Democratic control by members Cooperatives are democratic organizations, controlled by their own members actively involved in police and decision making. Men and women, who are appointed as representatives have a responsibility towards the members. For basic cooperatives, members have equal voting rights (one member per vote) and cooperatives at other levels are also managed democratically.
Involvement of members in economic activities Members contribute equally to the cooperative capital and control it democratically. At least part of the capital is property with co-operative societies. Members often receive limited compensation, if any, on capital contributed as part of the terms of membership. The members provide finance for one or all of the following purposes: developing cooperatives, by providing reserves, where a portion of the reserves cannot be divided, as well as benefiting the members according to their tranxic amount with the co-operative society, and supporting other activities agreed by the members.
Freedom and autonomy Cooperatives are autonomous and independent organizations controlled by their members. If they enter into any agreement with other organizations, including with the government, or increase capital from outside sources, they do so on conditions that ensure democratic control is still in the hands of members while still maintaining their autonomy.
Education, training and information The Cooperative provides education and training for its members, selected institutions, managers and employees so that they can contribute effectively to the progress of the cooperative. The cooperative conveys information to the public- especially young people and community leaders regarding the issues and benefits of cooperatives.
Cooperation among cooperatives Cooperatives help its members more effectively while strengthening the cooperative movement by working together at local, regional, national and international levels.
Concerned about the community While focusing on the needs of the co-operative members, they also strive to develop society in a sustainable manner through policies accepted by its members.
Personal Loan Koperasi BUMIRA Malaysia Berhad
You can apply personal loan Koperasi BUMIRA Malaysia Berhad based on current promotion and special financing scheme as below:-
PEMBIAYAAN KHAS KOPERASI BUMIRA MALAYSIA BERHAD (HARI RAYA AIDIL ADHA) Had Maksima : RM 3,500.00 Borang : Borang Pembiayaan Khas Borang Penerimaan Pembiayaan 1 salinan MyKad, Slip Gaji Mei & Jun dan dokumen berkaitan.
SPECIAL FINANCING OF HARI RAYA KOPERASI BUMIRA MALAYSIA BERHAD Had Maksima : RM 3,500.00. 1 copy of MyKad, March & April Salary Slip and related documents.
KOPERASI BUMIRA SPECIAL FINANCING (EDUCATION) Maximum Limit : RM 5,000.00 Refund : 24 Months Form: Special Education Financing Form Financing Acceptance Form (2 copies) 1 copy of MyKad, latest Salary Slip and related documents.
PEMBIAYAAN KHAS CAT KERETA KOPERASI BUMIRA MALAYSIA BERHAD
PEMBIAYAAN KHAS BASIKAL KOPERASI BUMIRA MALAYSIA BERHAD
PEMBIAYAAN KHAS (UMRAH & ZIARAH) KOPERASI BUMIRA MALAYSIA BERHAD Had Maksima : RM 10,000 Bayaran balik: 12-60 Bulan Borang : Borang Pembiayaan Khas, Borang Penerimaan Pembiayaan (2 salinan), Borang Pengakuan Penjamin 1 salinan MyKad, Slip Gaji terkini dan dokumen berkaitan. * Pembiayaan Khas dibuka apabila ada iklan
Personal Loan Koperasi BUMIRA Malaysia Berhad Reviews
Customer Reviews about Personal Loan Koperasi BUMIRA Malaysia Berhad
Personal Loan Koperasi BUMIRA Malaysia Berhad offering financing for Hari Raya Aidilfitri and Aidiladha, education loan, umrah loan etc. Click for more info
Koperasi UTM Berhad KUTMB is providing personal loan Al Qard, Express Loan, Al Tawarruq financing to all its member. Get the comprehensive info and how to apply the best financing. All here!
Personal Loan Koperasi UTM Berhad KUTMB Summary
Koperasi Name: Koperasi UTM Berhad
Abbreviation / Code Name: KUTMB
Koperasi Promotion Name: General Info about Personal Loan Koperasi UTM Berhad KUTMB
What types of personal loan offered from Koperasi UTM Berhad KUTMB?
You can apply Personal Loan Koperasi UTM Berhad KUTMB such as Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. You can also download loan application form from here.
About Personal Loan Koperasi UTM Berhad KUTMB
Apply personal loan Koperasi UTM Berhad KUTMB like Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. Download loan form here
Mission
To inculcate a spirit of cooperation, loyalty and responsibility among the members so as to be productive, cheerful and caring about universal life.
Motto
Teguh Cooperative, Prosperous Member
Philosophy
To purify the cooperative movement to increase the benefits to members and society based on co-operative values in accordance with Allah s.w.t’s pleasure
All
To make Koperasi UTM Bhd a reference co-operative.
THE LENS
Increase the type and number of sales of goods and services required by members, campus residents and the general public.
Increase financial returns in the form of dividends, bonuses, rebates and discounts at satisfactory rates to members.
To increase the benefits of free khairat/insurance welfare coverage to members and their families.
To enhance property development and business projects to stimulate economic activities for cooperatives and the country.
Transferring most of the university’s responsibility to preserve and enhance the well-being and harmony of the family staff.
Welfare & Personal Financing Koperasi UTM Berhad KUTMB
WELFARE & PERSONAL FINANCING Financial assistance is provided to co-operatives through al-Qard and At-Tawarruq loan methods. Check your personal loan eligibility here. Send your latest payslip to the WhatsApp Hotline below and we will get back to you as soon as possible. Thank you.
Al Loan Qard Koperasi UTM Berhad KUTMB
LOAN CONCEPT
A welfare loan, or Al-Qard, is a loan issued by Koperasi UTM Berhad KUTMB with the aim of providing financial assistance to members in an emergency or reasonable matters that may be considered. The scheme is implemented in accordance with the”Qardhrul Hassan”method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.
The maximum loan approved is RM2,000.00 (according to eligibility) for which repayment is made via salary deduction of RM181.82 per month and the maximum period is 11 months. This welfare loan only charges RM70.00 to successful applicants. Payment of process money by cash or deducted from the loan.
TERMS AND CONDITIONS
The applicant must be a member of Koperasi UTM Berhad (KUTMB).
The number of member salary deductions, including previous loan deductions must not exceed 60% of the member’s salary.
Members can no longer apply if they still have the balance (welfare financing).
The total share capital must be rm1000.00.
APPLICATION PROCEDURE
Obtain the loan application form from Koperasi UTM Berhad – KUTMB office.
Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
Submit the application form and related documents to the nearest Koperasi UTM Berhad – KUTMB office.
Express Loan Jomduit
FINANCING CONCEPT
Express Loan is a personal loan issued by Koperasi UTM Berhad – KUTMB with the aim of providing financial assistance to members who are in emergency or reasonable matters that may be considered.
The maximum loan approved is RM1,000.00 whereby repayment is made via salary deduction of RM107.00 per month and the maximum tenure is 10 months.
The scheme is implemented in accordance with the”Qardhrul Hassan”method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.
This welfare loan only charges RM70.00 to successful applicants.
TERMS AND CONDITIONS
The applicant must be a member of Koperasi UTM Berhad (KUTMB).
The number of member salary deductions, including previous loan deductions must not exceed 70% of the member’s salary.
The total share capital must be rm1000.00.
APPLICATION PROCEDURE
Obtain the loan application form from Koperasi UTM Berhad KUTMB office.
Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
Submit the application form and related documents to the nearest Koperasi UTM Berhad KUTMB office.
Al Tawarruq Financing
FINANCING CONCEPT
Tawarruq financing is a financing issued by Koperasi UTM Berhad KUTMB to qualified members. Minimum allowable amount RM3,000.00 up to maximum amount of RM 150,000.00. The Profit Rate charged is 6.2% per annum (subject to change to be determined by Koperasi UTM Berhad).
The original payment was made through a salary deduction. Maximum period of payment is limited to 120 months or 10 years
TERMS AND CONDITIONS
The applicant is a member of Koperasi UTM Berhad and has a prescribed number of shares (RM1,000.00)
Permanent post and confirmed position
The number of member salary deductions does not exceed 60% and the Debit Service Ratio (DSR) does not exceed 50%
APPLICATION PROCEDURE
Complete the application form available at Koperasi UTM Berhad KUTMB office.
You need to submit the following documents for the financing application: (a) Copy of applicant and guarantor’s identity card* if available (front and back) (b) Latest salary slip of applicant and guarantor* if any (c) Other supporting documents* if required
KUTMB (Koperasi UTM Berhad) will contact the borrower upon review by the Financing Unit for further action.
To inculcate a spirit of cooperation, loyalty and responsibility among the members so as to be productive, cheerful and caring about universal life.
Motto
Teguh Cooperative, Prosperous Member
Philosophy
To purify the cooperative movement to increase the benefits to members and society based on co-operative values in accordance with Allah s.w.t’s pleasure
All
To make Koperasi UTM Bhd a reference co-operative.
THE LENS
Increase the type and number of sales of goods and services required by members, campus residents and the general public.
Increase financial returns in the form of dividends, bonuses, rebates and discounts at satisfactory rates to members.
To increase the benefits of free khairat/insurance welfare coverage to members and their families.
To enhance property development and business projects to stimulate economic activities for cooperatives and the country.
Transferring most of the university’s responsibility to preserve and enhance the well-being and harmony of the family staff.
What types of personal loan offered from Koperasi UTM Berhad KUTMB?
You can apply Personal Loan Koperasi UTM Berhad KUTMB such as Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. You can also download loan application form from here.
Welfare & Personal Financing
WELFARE & PERSONAL FINANCING Financial assistance is provided to co-operatives through al-Qard and At-Tawarruq loan methods
Al Loan Qard
LOAN CONCEPT
A welfare loan, or Al-Qard, is a loan issued by Koperasi UTM Berhad KUTMB with the aim of providing financial assistance to members in an emergency or reasonable matters that may be considered. The scheme is implemented in accordance with the”Qardhrul Hassan”method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.
The maximum loan approved is RM2,000.00 (according to eligibility) for which repayment is made via salary deduction of RM181.82 per month and the maximum period is 11 months. This welfare loan only charges RM70.00 to successful applicants. Payment of process money by cash or deducted from the loan.
TERMS AND CONDITIONS
The applicant must be a member of Koperasi UTM Berhad (KUTMB).
The number of member salary deductions, including previous loan deductions must not exceed 60% of the member’s salary.
Members can no longer apply if they still have the balance (welfare financing).
The total share capital must be rm1000.00.
APPLICATION PROCEDURE
Obtain the loan application form from Koperasi UTM Berhad – KUTMB office.
Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
Submit the application form and related documents to the nearest Koperasi UTM Berhad – KUTMB office.
Express Loan Jomduit
FINANCING CONCEPT
Express Loan is a personal loan issued by Koperasi UTM Berhad – KUTMB with the aim of providing financial assistance to members who are in emergency or reasonable matters that may be considered.
The maximum loan approved is RM1,000.00 whereby repayment is made via salary deduction of RM107.00 per month and the maximum tenure is 10 months.
The scheme is implemented in accordance with the”Qardhrul Hassan”method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.
This welfare loan only charges RM70.00 to successful applicants.
TERMS AND CONDITIONS
The applicant must be a member of Koperasi UTM Berhad (KUTMB).
The number of member salary deductions, including previous loan deductions must not exceed 70% of the member’s salary.
The total share capital must be rm1000.00.
APPLICATION PROCEDURE
Obtain the loan application form from Koperasi UTM Berhad (KUTMB) office.
Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
Submit the application form and related documents to the nearest Koperasi UTM Berhad (KUTMB) office.
Al Tawarruq Financing
FINANCING CONCEPT
Tawarruq financing is a financing issued by Koperasi UTM Berhad (KUTMB) to qualified members. Minimum allowable amount RM3,000.00 up to maximum amount of RM 150,000.00. The Profit Rate charged is 6.2% per annum (subject to change to be determined by Koperasi UTM Berhad).
The original payment was made through a salary deduction. Maximum period of payment is limited to 120 months or 10 years
TERMS AND CONDITIONS
The applicant is a member of Koperasi UTM Berhad and has a prescribed number of shares (RM1,000.00)
Permanent post and confirmed position
The number of member salary deductions does not exceed 60% and the Debit Service Ratio (DSR) does not exceed 50%
APPLICATION PROCEDURE
Complete the application form available at Koperasi UTM Berhad (KUTMB) office.
You need to submit the following documents for the financing application: (a) Copy of applicant and guarantor’s identity card* if available (front and back) (b) Latest salary slip of applicant and guarantor* if any (c) Other supporting documents* if required
KUTMB (Koperasi UTM Berhad) will contact the borrower upon review by the Financing Unit for further action.
https://kutmb.my
Hashtag / Keywords
#koperasi #personalloan #KUTMB
Personal Loan Koperasi UTM Berhad KUTMB Reviews
Customer Reviews about Koperasi UTM Berhad KUTMB
Apply personal loan Koperasi UTM Berhad KUTMB like Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. Download loan form here
Felkop Koperasi Kakitangan Felda Malaysia Berhad is one of the best cooperative in Malaysia that provide 12 types of personal financing and other benefited services to its members. Find out more here!
Felkop Koperasi Kakitangan Felda Malaysia Berhad Summary
Koperasi Name: Koperasi Kakitangan Felda Malaysia Berhad
Abbreviation / Code Name: FELKOP
Koperasi Promotion Name: General Info about Koperasi Kakitangan Felda Malaysia Berhad
What are the types of personal loans offered by Felkop @ Koperasi Kakitangan Felda Malaysia Berhad?
The type of personal loans offered by Felkop @ Koperasi Kakitangan Felda Malaysia Berhad are pembiayaan peribadi (biasa), pembiayaan peribadi bertindih, pembiayaan IPT, pembiayaan Raya Aidilfitri, pembiayaan jangka pendek, pembiayaan tanpa penjamin, pembiayaan ekslusif, pembiayaan motorsikal dan pembiayaan insurans cukai jalan. Selain itu Felkop juga menyediakan kemudahan pembiayaan komputer dan yang terakhir pembiayaan umrah dan pelancongan.
About Felkop Koperasi Kakitangan Felda Malaysia Berhad
Felkop @ Koperasi Kakitangan Felda Malaysia Berhad provides services in the form of financing to members in accordance with the terms and conditions of the EMPLOYMENT ACT 1955.
There are 12 types of personal loan / financing offered by Felkop Koperasi Kakitangan Felda Malaysia Berhad in accordance with the principles of Al Bai’Inah and Bithamin A’jil which are:
Pembiayaan peribadi (biasa)
Pembiayaan peribadi bertindih
Pembiayaan IPT
Pembiayaan Raya Aidilfitri
Pembiayaan jangka pendek
Pembiayaan tanpa penjamin
Pembiayaan ekslusif
Pembiayaan motorsikal
Pembiayaan insurans cukai jalan
Pembiayaan komputer
Pembiayaan umrah dan pelancongan.
(for more details, please contact us directly)
Cooperative Membership System (FeMeS) Felkop Koperasi Kakitangan Felda Malaysia Berhad
The Felkop @ Koperasi Kakitangan Felda Malaysia Berhad is equipped with a membership system whereby cooperative members can check their data with the cooperative through this system the Felkop Koperasi Kakitangan Felda Malaysia Berhad member will be given the password and use the new Identity Card number as login to the system. The following can be done when a member already has access to the system
Checking and changing personal data except name and identity card number, important information such as phone number, address and email can also be updated.
To update the photo of front and back identity card, as well as the photo of the member.
Review member’s statement and review latest financial statement.
To review and update nominee’s information to facilitate the affairs upon the death of the member.
Make a request to become a member.
Applying for financing.
Check the list of salary deduction transactions in detail.
Check the status and total dividend receipt.
Make financing settlement online using FPX.
Change password and set security questions.
Receive or reject newsletter submissions by cooperatives. The newsletter is an email sent by the cooperative to members with the aim of providing up-to-date information on the co-operative society and its activities. Members can choose whether to continue receiving this newsletter email or otherwise the various facilities to be added from time to time.
https://felkop.com
Hashtag / Keywords
#koperasi #personalloan #Felkop
Contact Felkop Koperasi Kakitangan Felda Malaysia Berhad
Tel: 03-2193 2500 / 03-2193 2501
admin@felkop.com
Koperasi Kakitangan Felda Malaysia Berhad, Tingkat 18, Menara Felda, Platinum Park No 11 Persiaran KLCC, 50088 Kuala Lumpur Malaysia
Personal Loan COOPUSMA Koperasi Warga USM Kelantan Berhad
About COOPUSMA Koperasi Warga USM Kelantan Berhad
Koperasi Warga USM Kelantan Berhad COOPUSMA offers personal loans with interest as low as 4% and max financing of RM100,000. Established on 12 June 2000 (registration No. D-3-0261). The initial general meeting was held on 16 Nov 2000, which is the First General Meeting within 6 months from the date the cooperative was established. At the beginning of the establishment, COOPUSMA was registered as Koperasi Kakitangan Universiti Sains Malaysia (USM) and changed its name to Koperasi Warga USM Kelantan Berhad in 2002.
In 2000 to 2016, the main function of the cooperative was to provide CREDIT FACILITIES and was amended to the SERVICE function in the Special General Meeting on 29 November 2016. Membership is open to all staff of Universiti Sains Malaysia (USM) Kubang Kerian Health Campus, Kelantan only. The number of members is 3086 members until 2019.
Members of the Cooperative Board (ALK) consist of USM staff who have a high spirit of cooperation and are more concerned with welfare than profit as well as dedicated and very experienced in governance. Koperasi Warga USM Kelantan Berhad continues to move forward to make Koperasi Warga USM Kelantan Berhad the most competitive cooperative in Malaysia in an effort to meet the needs of members and customers of the Cooperative.
Koperasi Warga USM Kelantan Berhad consists of 170 staff led by a charismatic executive officer.
MISSION
Koperasi Warga USM Kelantan Berhad COOPUSMA “Committed to making cooperatives a leader in the tourism, personal care & health sector towards the well -being of society through human capital development, intellectual inquiry, creativity, innovation and knowledge dissemination”
VISION
Koperasi Warga USM Kelantan Berhad COOPUSMA “Creating competitive, global and ethical cooperatives as well as making them an authority through the transformation of cooperatives in the areas of Key Economic Outcomes (EPP) Tourism, Health and Personal Care.”
What is the interest rate for this Koperasi Warga USM COOPUSMA personal loan?
The interest rate for the personal financing of Koperasi Warga USM COOPUSMA is only 4% until the 5th year (flat rate) while 6% is financing up to a maximum period of 10 years (flat rate). Apply for your personal financing now here.
Services Offered by Koperasi Warga USM Kelantan Berhad
Koperasi Warga USM Kelantan Berhad is wholly owned by Bumiputeras and as a whole offers the following services:
Credit Facility (Bai Al-Einah Loan)
Coop Mart (Retail)
Kopitiam Lestari (Food)
Child Development Complex (ECCE)
Health Services (Ambulance, Sports Rehab & Home Care)
Building Rental
Sustainable Osmosis Water Plant
Kays Exclusive Motel
E-Coopmart (E-Commerce)
Real estate
Building Rental
Subsidiaries
Sustainable Dialysis Center (Wholly Owned Subsidiary of COOPUSMA Koperasi Warga USM Kelantan Berhad)
Farmasi Lestari Sdn. Bhd (Wholly Owned Subsidiary of COOPUSMA Koperasi Warga USM Kelantan Berhad)
Telipot Medical Center (TMC) Sdn. Bhd. (51% owned by COOPUSMA Koperasi Warga USM Kelantan Berhad)
Capital Investment
Nephrolife Dialysis Center (Capital Investment 49% cooperatives 51% individuals)
Personal Loan Package
Koperasi Warga USM Kelantan Berhad COOPUSMA provides the best personal loan package for members to apply. The following terms and conditions are as follows:-
The maximum loan is RM 100 thousand
For loans up to 5 years – 4% per annum
Over 5 years up to 10 years – 6% per annum
Personal Financing Schedule
THE BEST PERSONAL LOAN WITH BAI AL-EINAH KOPERASI PERSONAL FINANCING MONTHLY REPAYMENT SCHEDULE LOAN YEAR (4%)
Koperasi Warga USM Kelantan Berhad (COOPUSMA) was established on 12 June 2000 (registration No. D-3-0261). The initial general meeting was held on 16 Nov 2000, which is the First General Meeting within 6 months from the date the cooperative was established. At the beginning of the establishment, Koperasi Warga USM Kelantan Berhad COOPUSMA was registered as Koperasi Kakitangan Universiti Sains Malaysia (USM) and changed its name to Koperasi Warga USM Kelantan Berhad in 2002.
In 2000 to 2016, the main function of the cooperative was to provide CREDIT FACILITIES and was amended to the SERVICE function in the Special General Meeting on 29 November 2016. Membership is open to all staff of Universiti Sains Malaysia (USM) Kubang Kerian Health Campus, Kelantan only. The number of members is 3086 members until 2019.
Members of the Cooperative Board (ALK) consist of USM staff who have a high spirit of cooperation and are more concerned with welfare than profit as well as dedicated and very experienced in governance. Koperasi Warga USM Kelantan Berhad continues to move forward to make Koperasi Warga USM Kelantan Berhad the most competitive cooperative in Malaysia in an effort to meet the needs of members and customers of the Cooperative.
Koperasi Warga USM Kelantan Berhad consists of 170 staff led by a charismatic executive officer.
What is the interest rate for this Koperasi Warga USM COOPUSMA personal loan?
The interest rate for the personal financing of Koperasi Warga USM COOPUSMA is only 4% until the 5th year (flat rate) while 6% is financing up to a maximum period of 10 years (flat rate). Apply for your personal financing now here.
Mission And Vision
Koperasi Warga USM Kelantan Berhad COOPUSMA MISSION
“Committed to making cooperatives a leader in the tourism, personal care & health sector towards the well -being of society through human capital development, intellectual inquiry, creativity, innovation and knowledge dissemination”
Koperasi Warga USM Kelantan Berhad COOPUSMA VISION
“Creating competitive, global and ethical cooperatives as well as making them an authority through the transformation of cooperatives in the areas of Key Economic Outcomes (EPP) Tourism, Health and Personal Care.”
Koperasi Warga USM Kelantan Berhad is wholly owned by Bumiputeras and as a whole offers the following services:
Credit Facility (Bai Al-Einah Loan)
Coop Mart (Retail)
Kopitiam Lestari (Food)
Child Development Complex (ECCE)
Health Services (Ambulance, Sports Rehab & Home Care)
Building Rental
Sustainable Osmosis Water Plant
Kays Exclusive Motel
E-Coopmart (E-Commerce)
Real estate
Building Rental
Subsidiaries
Sustainable Dialysis Center (Wholly Owned Subsidiary of COOPUSMA Koperasi Warga USM Kelantan Berhad)
Farmasi Lestari Sdn. Bhd (Wholly Owned Subsidiary of COOPUSMA Koperasi Warga USM Kelantan Berhad)
Telipot Medical Center (TMC) Sdn. Bhd. (51% owned by COOPUSMA Koperasi Warga USM Kelantan Berhad)
Capital Investment
Nephrolife Dialysis Center (Capital Investment 49% cooperatives 51% individuals)
Personal Loan Package
Koperasi Warga USM Kelantan Berhad COOPUSMA provides the best personal loan package for members to apply. The following terms and conditions are as follows:-
The maximum loan is RM 100 thousand
For loans up to 5 years – 4% per annum
Over 5 years up to 10 years – 6% per annum
Personal Loan Financing Schedule
THE BEST PERSONAL LOAN WITH BAI AL-EINAH KOPERASI PERSONAL FINANCING MONTHLY REPAYMENT SCHEDULE LOAN YEAR (4%)
Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM)
Apply for a personal loan with Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM) and receive financing up to RM20,000. Click here to find out more and start your application today.
About Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM)
Introduction to Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM)
Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM) was established on April 14, 1984, with the primary goal of improving the economic welfare of its members. KOBOPEM offers a variety of credit services to assist members in obtaining financial assistance. With a commitment to high levels of professionalism and credibility, KOBOPEM aims to become a leader in cooperative management.
As a prominent entity in the cooperative sector, KOBOPEM continues to focus on enhancing financial services and providing consistent support to its members.
KOBOPEM’s Core Functions
Providing Credit and Financing Services
KOBOPEM focuses on efficient financial management, offering financing facilities to its members. The cooperative provides credit services, financial advice, and solutions tailored to meet members’ financial needs.
KOBOPEM aims to achieve high professionalism in its operations while supporting members in managing their finances.
Unsecured Personal Loan: RM 20,000
Financing Option for Cooperative Members
KOBOPEM offers an unsecured personal loan of up to RM 20,000 for members who have been part of the cooperative for 10 years or more. This is an excellent opportunity for members to access financial support without requiring a guarantor. The main details of this loan are:
Loan Amount: RM 20,000.
Eligibility: Members who have been with the cooperative for 10 years.
No Guarantor Required: The loan application does not require a guarantor.
Fast Processing: Applicants only need to submit income verification documents.
Eligible members can contact KOBOPEM for further details on how to apply for this loan.
Contact Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM)
KOBOPEM Contact Details
For more information about personal loans, membership, or other services offered by KOBOPEM, please contact us using the details below:
Address: Koperasi Pekerja Bomba Malaysia Bhd 74, Jalan Haji Hussein, Chow Kit, 50300 Kuala Lumpur.
Phone: 03-40508994 / 03-40400043
Fax: 03-40400116
Email: koperasibomba@gmail.com
Why Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM)?
Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM) is committed to supporting the economic growth of its members by offering a range of financing services and financial support. With over 30 years of experience, KOBOPEM strives to provide professional services to its members. If you are interested in becoming a member or applying for a personal loan, feel free to contact KOBOPEM for more information.
Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM): Summary
Article Title: Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM)
Category: #Koperasi #KOBOPEM #PersonalLoan
Purpose: #GeneralInformation #Promotion
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Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Koperasi UNIKEB Berhad is one of the leading cooperative in Malaysia and focusing on personal loan, health product and facility for seminar and training. Get the full info here.
Koperasi UNIKEB Berhad Summary
Koperasi Name: Koperasi UNIKEB Berhad
Abbreviation / Code Name: –
Koperasi Promotion Name: General Info about Koperasi UNIKEB Berhad
Why is KOPERASI UNIKEB BERHAD the choice?
Has a health shoe sales facility
Have a discount for vehicle insurance The insurance provided is Etiqa, Takaful Malaysia, Takaful Ikhlas
Various types of financing up to RM150K only for Members
Seminar and training room facilities
About Koperasi UNIKEB Berhad
Personal Loans Koperasi UNIKEB Berhad is offerings Bai Al Inah personal financing, express loan, gold financing, Aidilfitri loans with and without guarantor and other financing. Contact Financing Unit for more info. Starting in 2010, the growth and development of Koperasi UNIKEB Berhad’s business is increasing and it is an era that has made history in its life. Year after year made a proud history. In 2016, Koperasi UNIKEB Berhad was recognized by the Malaysian Cooperative Commission (SKM) as the Best Cooperative in the Selangor Wholesale & Retail Sector.
The latest has been recognized as the 17th Best Cooperative in the list of the 100 Best Malaysian Cooperatives Index 2018.
Based on this position, Koperasi UNIKEB Berhad is the best #1 in Selangor and #1 among Local Public University cooperatives. This is thanks to the efforts and cooperation given by Members, Cooperative Board Members (ALK), Management and employees to continue to develop and support cooperative activities towards greater excellence.
Koperasi UNIKEB Berhad Product And Services
At Koperasi Universiti Kebangsaan Malaysia Berhad we provide several services not only for members but also non -members can enjoy our services.
Health Shoes and Vehicle Insurance
Personal loan with financing up to rm150K special for members only
Seminar and training room
We also provide specialized training modules for anyone who is interested. We also have a self -service laundry in Bandar Puteri Bangi and have 1 umart at wisma unikeb, 3 umart at Tuanku Muhriz UKM Chancellor’s Hospital and 1 umart at UKM Kuala Lumpur Campus.
Koperasi Unikeb Berhad Financing Unit
The Koperasi Unikeb Berhad Financing Unit for 2019 continues to be a major contributor to overall profits. The Financing Unit consists of 3 main components namely Money Financing, Goods & Services Financing and Salary Deduction Services.
To meet the needs and requirement of members, the offering of financing products has been diversified. The products available in the Financing Unit are:
Bai Al Inah financing is guaranteed
Bai Al Inah financing without guarantor
Guaranteed Express Financing
Express financing without guarantor
School Financing
Gold Financing
Aidilfitri financing
Financing of Goods & Services
The Guaranteed Express Financing Product is a product that is in high demand among members. This financing offers a maximum financing of RM 20,000 managed to record a high number.
We are deeply concerned with the needs of our members in dealing with the rising and challenging cost of living. School Funding was first offered in December 2015 specifically to assist members in addressing their children’s schooling needs.
Starting in 2016, we offer Gold Financing for the convenience of members to have gold in the Gold Shop. Throughout 2019, members have used this facility to own gold offered at the Gold Shop at a salary deduction
We also offer special Aidilfitri Financing to help ease the financial burden of members so that they can celebrate Eid more happily with their families. We are planning to diversify our funding facilities to meet the needs of our members.
*source: Koperasi UNIKEB Berhad
Hashtag / Keywords
#koperasi #personalloan #Unikeb
Contact Koperasi Universiti Kebangsaan Malaysia Berhad
Tel: 03-8925 2540
lot 5, Wisma Unikeb, 43600 Bandar Baru Bangi, Selangor
Personal Loans Koperasi UNIKEB Berhad is offerings Bai Al Inah personal financing, express loan with and without guarantor. Click here to find out more
Personal Loans Koperasi UNIKEB Berhad Summary
Koperasi Name: Koperasi UNIKEB Berhad
Abbreviation / Code Name: –
Koperasi Promotion Name: General Info about Personal Loans Koperasi UNIKEB Berhad
Why is KOPERASI UNIKEB BERHAD the choice?
Has a health shoe sales facility
Have a discount for vehicle insurance The insurance provided is Etiqa, Takaful Malaysia, Takaful Ikhlas
Various types of financing up to RM150K only for Members
Seminar and training room facilities
About Koperasi UNIKEB Berhad
Starting in 2010, the growth and development of Koperasi UNIKEB Berhad’s business is increasing and it is an era that has made history in its life. Year after year made a proud history. In 2016, Koperasi UNIKEB Berhad was recognized by the Malaysian Cooperative Commission (SKM) as the Best Cooperative in the Selangor Wholesale & Retail Sector. The latest has been recognized as the 17th Best Cooperative in the list of the 100 Best Malaysian Cooperatives Index 2018.
Based on this position, Koperasi UNIKEB Berhad is the best #1 in Selangor and #1 among Local Public University cooperatives. This is thanks to the efforts and cooperation given by Members, Cooperative Board Members (ALK), Management and employees to continue to develop and support cooperative activities towards greater excellence.
Koperasi UNIKEB Berhad Product And Services
At Koperasi UNIKEB Berhad we provide several services not only for members but also non -members can enjoy our services.
Health Shoes and Vehicle Insurance
Personal loan with financing up to rm150K special for members only
Seminar and training room
We also provide specialized training modules for anyone who is interested. We also have a self -service laundry in Bandar Puteri Bangi and have 1 umart at wisma unikeb, 3 umart at Tuanku Muhriz UKM Chancellor’s Hospital and 1 umart at UKM Kuala Lumpur Campus.
Koperasi Unikeb Berhad Financing Unit
The Koperasi Unikeb Berhad Financing Unit for 2019 continues to be a major contributor to overall profits. The Financing Unit consists of 3 main components namely Money Financing, Goods & Services Financing and Salary Deduction Services.
To meet the needs and requirement of members, the offering of financing products has been diversified. The products available in the Financing Unit are:
Bai Al Inah financing is guaranteed
Bai Al Inah financing without guarantor
Guaranteed Express Financing
Express financing without guarantor
School Financing
Gold Financing
Aidilfitri financing
Financing of Goods & Services
The Guaranteed Express Financing Product is a product that is in high demand among members. This financing offers a maximum financing of RM 20,000 managed to record a high number.
We are deeply concerned with the needs of our members in dealing with the rising and challenging cost of living. School Funding was first offered in December 2015 specifically to assist members in addressing their children’s schooling needs.
Starting in 2016, we offer Gold Financing for the convenience of members to have gold in the Gold Shop. Throughout 2019, members have used this facility to own gold offered at the Gold Shop at a salary deduction
We also offer special Aidilfitri Financing to help ease the financial burden of members so that they can celebrate Eid more happily with their families. We are planning to diversify our funding facilities to meet the needs of our members.
*source: Koperasi UNIKEB Berhad
Personal Loans Koperasi UNIKEB Berhad Reviews
Customer Reviews about Personal Loans Koperasi UNIKEB Berhad
Personal Loans Koperasi UNIKEB Berhad is offerings Bai Al Inah personal financing, express loan with and without guarantor. Click here to find out more
Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad
Personal loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad is now offering credit financing up to RM50,000 max loan. Get latest info here.
Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad Summary
Koperasi Name: Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad
Abbreviation / Code Name: KoBPM
Koperasi Promotion Name: General Info about Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad
What are personal loans packages from KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad?
Personal loans packages from KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad are credit financing, personal financing, personal loans special, consumer financing, vehicle financing, Peka I and Peka II Special Introduction. Click here for more info.
About Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad
Exclusive Personal Loans from KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad with Bai Al Inah and Bithaman Ajil Financing Rules. This cooperative was established on 20 November with registration number 4981. This co-operative society is governed by the Co-operative Societies Act 1993. On 27 June 2009, koperasi changed its name to Koperasi Kakitangan Bank Pertanian Malaysia Berhad (KoBPM).
VISION : To Be a Dynamic, Progressive And High Performance Cooperative To Improve The Socio-Economic Status of Members MISSION : To provide The Best, High Quality And Comprehensive Services To Members.
KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad TPPK Investments
GOOD NEWS TO KOBPM MEMBERS :
Start your first TPPK investment today or add an existing investment with the transfer of your co-operative fee. You can now transfer up to RM5,000 (Max). Open to all KoBPM Members The size of the Investment Fund has also been increased to RM50,000 Let’s seize the Investment Opportunity (Ar-Rahnu X’Change) with us.
High dividend yield and compilation. If you need assistance and enquiries regarding this matter, please contact Financing Unit at 03-8733 2597 (Admin) or email to admin@koopbpm.com.my
Exclusive Scheme
THE SCHEME IS EXCLUSIVELY FOR Koperasi Kakitangan Bank Pertanian Malaysia Berhad @ KOBPM MEMBERS (SPOUSES AND CHILDREN) ONLY
BENEFITS SCHEME
Death Benefit @ Permanent Disability (Ordinary)
Death Benefit @ Permanent Disability (Accident)
Benefits of Partial Permanent Disability
Hospitalisation Benefit (WARD)
Khairat Member’s Death
Khairat Death of Spouse and Children
ENTRY REQUIREMENTS
This Scheme is Exclusive to Koperasi Kakitangan Bank Pertanian Malaysia Berhad @ KoBPM Members (together with Spouse and Children) only. The application requirement is open to all KoBPM Members (still working with Agrobank as well as former Agrobank Staff).
Members and Spouses must be between the ages of 18 and 60 years old.
For admission, children must be between 30 days and 18 years old only.
LOW MONTHLY CONTRIBUTIONS
Apart from Takaful And Savings Protection, the benefits of this scheme are also due to low monthly contributions. For Members who are interested in participating in the Group Takaful Protection Scheme together with savings, download the form (click here)
The completed form can be emailed to admin@koopbpm.com.my / aida@koopbpm.com.my.
For any enquiries, please contact KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad Pn.Aida at 03-8733 2597.
Credit Financing (Personal Loans)
Personal / User
Fast processing and competitive profit rates.
Community Facilities
Agrobank and Ar-Rahnu Agents
Professional
Office / building laundry tender
KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad offers various types of credit processing for co-operative societies in need. With the guarantee of a short process period and competitive profit rates the co-operative members now have more types of credit financing to choose from.
Personal Financing
Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad terms and conditions are as follows:-
RM10,000*-RM50,000** Maximum
7-14 Days Process Duration
2 Persons Guarantor (In the event of Insufficient Fees)
5* Year 10** Year Financing Period
5.75% Profit Rate* For Members Less than 3 Years**For Members Over 3 Years
Bai Al Inah Financing Rules (Personal)
Bai Al-Inah Form (Personal)
Personal Loans Special
Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad Special criterias are as follows:-
RM5,000 Maximum
2 Days Process Duration
2 Persons Guarantor (In the event of Insufficient Fees)
2 Years Financing
Tenure 5 @ 5.75% Profit Rate* For Members Less than 3 Years**For Members Over 3 Years
Bai Al Inah Financing Rules (Personal)
Bai Al-Inah Form (Special)
Consumer Financing
Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad for Consumer Financing
RM10,000*-RM20,000** Maximum
7-14 Days Process Duration
2 Persons Guarantor (In the event of Insufficient Fees)
5* Year 7** Year Financing Period
5.75% Profit Rate
* For Members Less than 3 Years
**For Members Over 3 Years Bithaman Ajil Financing Rules (User) Bithaman Ajil Form (user)
Vehicle Financing
Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad for Vehicle Financing
RM50,000 Maximum
7-14 Days Process Duration
2 Persons Guarantor (In the event of Insufficient Fees) Terms of Financing Tenure 3.2% Profit Rate
Perodua New Vehicles Only
Bithaman Ajil Financing Rules (Vehicles) Bithaman Ajil Form (Vehicles)
Peka I (Special Introduction)
Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad for Peka I (Special Introduction)
RM25,000 Maximum
7 Days Process Duration
None Guarantor
1 Year Financing Period
3.00% Profit Rate
Secured 80%
Fee Does Not Become Guarantor No Co-operative Financing PeKA I Financing Rules PeKA I Financing Form Consent Letter
Peka II (Special Introduction)
Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad for Peka II (Special Introduction)
RM50,000 Maximum
7 Days Process Duration
None Guarantor
1 Year Financing Period
3.00% Profit Rate
Secured 80%
Fee Does Not Become Guarantor No Co-operative Financing PeKA II Financing Rules PeKA II Financing Form Consent Letter
https://koopbpm.com.my
Hashtag / Keywords
#koperasi #personalloan #KoBPM #KoperasiServices
Contact KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad
Tel: 03 8733 2597
admin@koopbpm.com.my
Koperasi Kakitangan Bank Pertanian Malaysia Bhd No 12A, Jalan TTDI Grove 1/2, Taman TTDI Grove, 43000 Kajang, Selangor
To young people, Koperasi Belia Inovatif Sarawak Berhad KOBIS is suitable for you because embarking entrepreneurship, innovative, skills and career in the society. View more info here
Koperasi Promotion Name: General Info about Koperasi Belia Inovatif Sarawak Berhad
What are Koperasi Belia Inovatif Sarawak Berhad KOBIS do?
Koperasi Belia Inovatif Sarawak Berhad KOBIS is focusing on 3 pillars – growth, support and opportunities to young people.
About Koperasi Belia Inovatif Sarawak Berhad KOBIS
Koperasi Belia Inovatif Sarawak Berhad, known as KOBIS, is a non-government organization that use Cooperative Berhad platform to function as a social enterprise entity registered under Suruhanjaya Koperasi Malaysia. KOBIS actively involved in the Sarawak youth development agenda that mainly focused on innovation, enterpreneurship, skills and career.
Officially founded on 10th August 2011, throughout the year, Koperasi Belia Inovatif Sarawak Berhad brought together about 100 young entrepreneurs and engaged more than 200 Sahabat KOBIS within one platform, one agenda and one vision: Empowering each other to a greater height. Along the journey, Koperasi Belia Inovatif Sarawak Berhad has been working on more than 100 youth programs through cooperation and collabration from many supporting organization and agencies.
Commonly, Koperasi Belia Inovatif Sarawak Berhad is functioning with social enterprise model for the better adaptability and sustainability. We at Koperasi Belia Inovatif Sarawak Berhad believed every effort to empower youths is crucially important for the better nation and its generation. Hence, KOBIS and its management team will keep pursuing and sustain in this industry within our capacity and of course with the support from the many others too.
VISION
By 2020, Koperasi Belia Inovatif Sarawak become a main non-governmental organization (NGO) and driving force for Sarawak youth to embark development and enhance their growth through entrepreneurship, innovation, skills and career by maximizing potential and strengths towards making positive impacts in the society.
MISSION
Promote progressive and well-planned development of cooperative in Sarawak economy.
To strengthen the socioeconomic of youth (members) through cooperative as the platform, catalyst and resource support to the members.
Developing youth (members) towards excellence, especially on entrepreneurship, careers, skills and innovation.
Fostering a comprehensive youth development agenda to help the Sarawak youth to be more aggressive, proactive and innovative in their role as the future leader of the country.
Produce more innovative youth who are able to create a continuous impact in creating the future generations
I DON’T CARE ABOUT FAILING BECAUSE I DO NOT WANT TO SIT DOWN IN MY OLDER YEARS AND SAY, “HOW COME I DIDN’T TRY?” TONY FERNANDES, ENTREPRENEUR, FOUNDER OF AIR ASIA
Koperasi Belia Inovatif Sarawak Berhad – What We Do
GROWTH
Koperasi Belia Inovatif Sarawak Berhad opened internship positions to help build a better and brighter future for the young people. Through the work experience, the young people can be empowered to flourish and develop their career exponentially.
SUPPORT
Don’t know where to start and need help? Koperasi Belia Inovatif Sarawak Berhad have a number of high-impact activities and programs to choose from. Take advantage of it. It is a good chance for you to be more innovative and dynamic; and a good path to start off your career or entrepreneurship journey.
OPPORTUNITIES
Koperasi Belia Inovatif Sarawak Berhad love entrepreneurship. We understand that awesome people dream of starting their own companies and KOBIS will help you to attend dream of yours. Through entrepreneurship programs exposure, many embark their own journey to create their own business adventures.
“EVERYONE HAS AN IDEA, BUT IT’S REALLY ABOUT EXECUTING THE IDEA AND ATTRACTING OTHER PEOPLE TO HELP YOU WITH THE IDEA” JACK DORSEY, ENTREPRENEUR, CO-FOUNDER OF TWITTER
Personal Loan UitmKoop Koperasi Kakitangan UiTM Berhad
UitmKoop or Koperasi Kakitangan UiTM Berhad is offering staff personal loan with interest rate as low as 4% and max RM150,000 or 25x gross salary. View promotion and other cooperative info here.
About UitmKoop Koperasi Kakitangan UiTM Berhad
The Objective
Koperasi Kakitangan UiTM Berhad UitmKoop was established to increase the economic interests of its members in accordance with the principles of cooperatives. In addition, cooperatives were also established to assist UiTM staff who are members of cooperatives. Therefore, the cooperative has provided a network of activities that allow each of its members to enjoy facilities and services in the form of welfare or simple dependents.
Function
The main function of this cooperative is to carry out activities:-
Credit
Users
Services
Principle
The principles of membership are: –
Voluntary and open membership
Democratic control by members
Economic involvement by members
Autonomy and freedom
Education, training and information
Cooperation between cooperatives
Caring for the community
Benefits
The benefits obtained by members are:-
Creating savings for savings and investment purposes.
Keep a portion of the income and give loans for beneficial purposes and bring profit to the members.
Carrying out business and trade activities / including consumer functions.
Buying, selling, transferring ownership, erecting, renting, pledging, leasing, mortgaging and owning movable and immovable property.
Invest excess money in matters permitted under section 54 of the Act.
Participate in joint ventures with cooperatives or private companies and become a member of other Cooperatives.
Carry out insurance activities for members and non -members.
Open to UiTM staff fixed paid salary and cooperative staff including staff in its subsidiaries
Membership Requirements
Must be a Malaysian citizen, resident in the cooperative’s area of operation, no conviction and mental ability.
Application and Payment
Entrance fee is charged at RM 10.00 and former members who apply to become members again are charged RM 50.00.
Guaranteed Cash Financing
This Guaranteed Cash Financing requires a guarantor consisting of eligible members of the Cooperative to guarantee subject to the conditions set by the Cooperative.
UiTM Berhad UitmKoop Staff Cooperative Personal Loan Eligibility
For Guaranteed Cash Financing, the eligibility for UiTM Berhad UitmKoop Staff Cooperative Personal Loan is 25 months basic salary or RM150,000.00 whichever is less, subject to the member’s existing deduction not exceeding 60% of basic salary, interest rate is 4% and 5% and maximum financing reached RM 150,000.00.
Consumer Financing (Goods)
Consumer Financing (Goods) requires a guarantor consisting of eligible members of the Cooperative to the conditions set by the Cooperative.
Funding Eligibility
For Consumer Financing (Goods), the eligibility for Koperasi Kakitangan UiTM Berhad Staff Personal Loan is 25 months basic salary or RM150,000.00 whichever is less, subject to the member’s existing deduction not exceeding 60% of basic salary, interest rate is 4% and 5% and the maximum financing reaches RM 150,000.00.
Cash Financing 90% Contribution
Cash Financing 90% Contribution does not require a guarantor but the Koperasi Kakitangan UiTM Berhad UitmKoop Staff Personal Loan guarantee is up to the member’s contribution. Subject to the conditions set by the cooperative.
Funding Eligibility
For Cash Financing 90% Accumulated Contribution, the eligibility is 90% of the total accumulated contribution.
Interest rates 4% and 5%.
Calculation of Eligibility = Total Contribution x 90% = Eligibility.
IPT Loan and Emergency Loan
IPT Loan
This Koperasi Kakitangan UiTM Berhad UitmKoop IPT Personal Loan is provided for members or dependents who wish to continue their studies at institutions of higher learning. Subject to the conditions set by the cooperative
Funding eligibility
For IPT financing, the eligibility to apply is up to RM2,500.00.
Each member is eligible to apply once for one child only.
Interest rate 4% per annum.
Emergency Loan
The Board may immediately approve the Personal Loan Koperasi Kakitangan UiTM Berhad UitmKoop Staff emergency loan application to members who apply provided that the financing does not exceed RM1,000.00 per year. Approval of the application is based on tangible evidence supported by valid documents.
Sure! Here’s the revised version following your instructions:
Contact UiTM Staff Cooperative Berhad (UitmKoop)
Office Location:
UiTM Staff Cooperative Berhad (UitmKoop), 14, Jalan Lazuardi 7/29, Section 7, 40000 Shah Alam, Selangor.
Phone and Fax Numbers:
For any inquiries or further details, feel free to reach us at:
+603 5519 5912 +603 5510 4512 +603 5512 0689
If you need to send any documents, please use our fax number:
+603 5513 0540
Contact Us by Email:
You can also reach out to us via email for inquiries or more information at:
Looking for an attractive koperasi loan offer? Check out our koperasi loan promotions now! Enjoy competitive interest rates, an easy application process, and quick approval. Click below to explore the options and choose the loan that fits your financial needs!
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Personal Loan UitmKoop Koperasi Kakitangan UiTM Berhad UitmKoop or Koperasi Kakitangan UiTM Berhad is offering staff personal loan with interest rate as low as 4%…
Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Apply Personal Loan KIMB Koperasi Islah Malaysia Berhad flat rate interest rate up to RM100,000. No hidden charges. Click for more info and to apply!
About Koperasi Islah Malaysia Berhad (KIMB)
Koperasi Islah Malaysia Berhad (KIMB) is a national cooperative. Member involvement is not limited to one organization only, but it is open to all Malaysians in general.
Koperasi Islah Malaysia Berhad (KIMB) is a Cooperative established with the aim of promoting a culture of saving and entrepreneurship for welfare purposes and improving the socio -economic status of members in particular and Muslims in general, in line with the demand to “cooperate in matters of goodness and piety”
Koperasi Islah Malaysia Berhad was approved for registration on 21 January 1994 under the Suruhanjaya Koperasi Malaysia (SKM) with Koop Nasional registration number No 15.
Vision
Becoming a Superior National Cooperative Based on Sharia.
Mission
Encourage a culture of saving and entrepreneurship among members.
Involve cooperatives in profitable business and investment activities.
Provide quality services through trustworthy and competent management.
Retail Financing
Koperasi Islah Malaysia Berhad (KIMB) Personal Loan is a flat rate personal financing.
Financing Margin
Based on the personal loan eligibility limit and subject to a minimum amount of RM 1,000 and a maximum amount of RM 100,000
A flat rate personal loan of 8% per annum for all who qualify.
*This rate is subject to change depending on the terms and conditions, will be notified via offer letter if the application is approved.
Eligibility for Personal Loan Application
Has been a member of KIMB for at least six (6) months.
Applicants must be 18 years of age or older.
Has a confirmed position and has a fixed income.
Have a guarantor.
Required documents
Completed application form.
Information disclosure consent form.
A copy of identity card.
3 months latest salary slip.
Latest job confirmation letter.
And at least one of the following documents:
Latest EPF statement; or
Latest income statement (Form BE/eBE/EA/EC); or Latest bank statement for 3 months (salary crediting)
Any supporting documents if necessary.
Payment method
There are 2 payment methods for personal loan payment of Koperasi Islah Malaysia Berhad as follows:-
Salary cut.
Standing instructions from other banks.
Benefits Of Applying For A Personal Loan With Us
No hidden charges
Selling price – fixed and known.
Competitive financing rates.
*Subject to the terms and conditions.
Koperasi Islah Malaysia Berhad Membership Application
3 easy steps to apply for membership:
Complete the membership application form – Download the member application form or fill in online. Return the form either via:
Post/send to KIMB Office at Lot 300.1, Lorong Selangor, Pusat Bandar Melawati 53100, Kuala Lumpur, or Email to customer.service@kimb.com.my, or Fax the form to 03-41086319
Make a membership application fee of RM 530 (RM 500 Shares, RM 30 Membership Fee) can be paid in cash or bank-in to the following account in the name of KOPERASI ISLAH MALAYSIA BERHAD: Maybank: 5622 0961 8419 Islamic Bank: 1211 30100 24343 (Proof of payment can be submitted via email or fax as above, or whatsapp to 011.2078.5903)
After approval, we will send the approval confirmation letter along with the membership card and the cooperative by-law book to the address given in the membership application form.
KIMB Koperasi Islah Malaysia Berhad Cooperative Membership Requirements
KIMB Koperasi Islah Malaysia Berhad membership is open to:
Malaysian
Aged 18 years and above
Never involved in an offense registered under the “Registration of Criminals and Undisireable Persons Act, 1969 ″.
Each application must be by filling in the membership application form, Membership Fee RM 30 and a minimum Share Capital of RM 500 (paid within 6 months after membership is registered)
Contact KIMB Koperasi Islah Malaysia Berhad
Koperasi Islah Malaysia Berhad Lorong Selangor, Taman Melawati 53100 Ampang, Selangor Tel: 03-4108 6339 E-Mail: customer.service@kimb.com.my
KIMB Koperasi Islah Malaysia Berhad: Summary
Article Title: KIMB Koperasi Islah Malaysia Berhad
Category: #koperasi #KIMB #PersonalLoan
Purpose: #Promotion
Koperasi Loan Promotions
Looking for an attractive koperasi loan offer? Check out our koperasi loan promotions now! Enjoy competitive interest rates, an easy application process, and quick approval. Click below to explore the options and choose the loan that fits your financial needs!
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Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM) Apply for a personal loan with Koperasi Bomba Dan Penyelamat Malaysia Berhad (KOBOPEM) and receive financing up to…
Personal Loan UitmKoop Koperasi Kakitangan UiTM Berhad UitmKoop or Koperasi Kakitangan UiTM Berhad is offering staff personal loan with interest rate as low as 4%…
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Personal Loan KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd
Personal Loan KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd is one of the best for micro credit (personal loan) to its member. Join this cooperative for more info click here.
Personal Loan KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd Summary
Koperasi Name: Koperasi Usahawan Bersatu Ipoh Perak Bhd
Abbreviation / Code Name: KOPUBI
Koperasi Promotion Name: General Info about Personal Loan KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd
What are the services offered from Koperasi Usahawan Bersatu Ipoh Perak KOPUBI?
Koperasi Usahawan Bersatu Ipoh Perak Bhd is very committed and excited to implement strategic planning which has been broken down into 3 main activities as follows:
Personal financing (micro credit)
Business in the field of marketing
Investment in real estate and plantations
About KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd
Let’s Join KOPUBI Perak Bhd Koperasi Usahawan Bersatu Ipoh Perak Bhd with almost 1,000+ Members from all over Perak!
Koperasi Usahawan Bersatu Ipoh Perak Bhd or KOPUBI Perak was inspired by the Chairman of Persatuan Usahawan Bersatu Ipoh Perak, En. Sharul Baha Abd Rahman since the establishment of this association on 15th April 2016.
Persatuan Usahawan Bersatu Ipoh Perak through its Committee Members has reached a decision where a Cooperative Sponsor Committee is established in the name of Koperasi PUBI Perak Bhd where the Sponsor Committee Members consist of the Association Chairman, Secretary General and Treasurer General and on 6th August 2017, the application official to establish a cooperative has been made through the Malaysian Cooperative Commission.
The application was well received by the Perak State Commission where the Sponsoring Committee was invited to the SKM Office for further action. As a result of the meeting, it was decided that the official name for this cooperative for SKM’s approval is Koperasi Usahawan Bersatu Ipoh Perak Bhd and the Sponsoring Committee was asked to hold a General Meeting on the Establishment of the Cooperative in the near future to enable the establishment process to be carried out in accordance with existing provisions.
Now Koperasi Usahawan Bersatu Ipoh Perak Bhd KOPUBI has started moving and is targeting 1,000 members to join this cooperative in 2018. The entry fee is RM150.00 and 1 unit of cooperative shares is sold at RM150.00 only. Maximum shares are limited to 25 units per member. The three main activities that will be carried out by the Koperasi Usahawan Bersatu Ipoh Perak Bhd are Micro Credit Loans to members, Business in the field of marketing and Investment in the field of real estate.
Micro Credit KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd
Personal Financing (Micro Credit) Personal Loan KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd. the cooperatives can help members who need financial assistance, especially in an effort to strengthen their businesses or need additional capital. Members who want to start a business can also benefit from the activities of this cooperative.
In the early stages of the establishment of this cooperative, the Koperasi Usahawan Bersatu Ipoh Perak Bhd Board Members have approved an allocation to provide loans between RM1,000 to RM5,000 to members and the amount of this loan is expected to increase as the cooperative’s financial performance strengthens and has a larger capital.
The KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd Board members also aim to increase the loan to RM250,000 when the Koperasi Usahawan Bersatu Ipoh Perak Bhd financial performance reaches a truly convincing level and the cooperative records a multiplied profit.
Personal Loan KOPUBI Bai’ Al-Inah
Personal Loan i-Mikro Bai’ Al-Inah KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd is a good news for all Perak residents, Koperasi Usahawan Bersatu Ipoh Perak Bhd KOPUBI Perak Bhd as one of the viable Entrepreneur Cooperatives in Ipoh City is pleased to inform that the i-Mikro Bai ’Al-Inah KOPUBI Perak Bhd Personal Financing Scheme is now open to all.
We understand the needs of Koperasi Usahawan Bersatu Ipoh Perak Bhd KOPUBI members who may need additional working capital to develop their business or may sometimes need additional money for emergency purposes and so on.
Koperasi Usahawan Bersatu Ipoh Perak Bhd KOPUBI provides easy personal loan financing without proof of income up to RM5,000 and the approval of i-Mikro Bai ‘Al-Inah personal financing is subject to the application conditions below and is subject to the APPROVAL of the Board of KOPUBI Perak Bhd.
Applicants For Personal Loan KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd
THE APPLICATION CONDITIONS ARE AS FOLLOWS;
Open to Malaysian citizens aged 18 years and above who have been a member of this Cooperative for not less than six months;
Has paid a Share Capital of at least RM 150.00 together with an entry fee of RM150.00;
Affordable means the deduction of monthly installment repayment does not exceed 60% of monthly income;
The maximum financing limit is subject to 10x the share value and the maximum amount of this financing is limited to RM5,000 only.
Have a Guarantor who consists of members of the Cooperative;
Complete the application through the iKoop system and provide the necessary information and documents.
Note: The Cooperative reserves the right to reject any application without notifying the applicant in advance.
Guarantor For Personal Loan KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd
The guarantor for Koperasi Usahawan Bersatu Ipoh Perak Bhd personal loan;
Has been a member of this Cooperative Koperasi Usahawan Bersatu Ipoh Perak Bhd for not less than six months.
Guarantors are not allowed to guarantee more than 3 members at a time.
Board Members are not allowed to guarantee during their tenure as Board Members.
The guarantor is not from among the family members of the member who borrowed and is not a spouse to the member.
The guarantor only acts as the debt collector of the loan and does NOT act as the debt payer (if the borrower fails to pay the due loan payments).
In order to safeguard the interests of the members of the Cooperative and the ability of positive capital control, the cooperative has set a financing condition of RM2,000 and above requires a guarantor from among the members of KOPUBI Perak Bhd.
Terdapat banyak pembiayaan peribadi Koperasi Muslimin Malaysia Berhad KMMB yang boleh anda dapatkan seperti pembiayaan tanah, pembiayaan kenderaan, pembiayaan tunai, umrah, perkahwinan dan lain-lain. Dapatkan info disini.
Koperasi Muslimin Malaysia Berhad KMMB Summary
Koperasi Name: Koperasi Muslimin Malaysia Berhad
Abbreviation / Code Name: KMMB
Koperasi Promotion Name: General Info about Koperasi Muslimin Malaysia Berhad KMMB
What are Koperasi Muslimin Malaysia Berhad KMMB personal financing (personal loan)?
Pembiayaan Tanah / Rumah ( Beli tanah / rumah, Membina / Ubahsuai rumah )
Pembiayaan Kenderaan ( Kereta, Motosikal, Van, Lori )
Koperasi Muslimin Malaysia Berhad KMMB is one of the financial organizations that invites Muslims to do good deeds based on sharia. Its aspiration is to become a superior financial institution through the Cooperative movement by providing the best services to its members.
On the realization of the need for an Islamic financial institution as an alternative to the existing financial system, then on 22 November 1980, on the efforts of the Association of Ulama ‘Malaysia (PUM), then established Koperasi Muslimin Malaysia Berhad or short name, Koperasi Muslimin (KMMB).
Islam always encourages its people to practice the principle of cooperation in all activities and activities of life that should be, including the economic field. From here, Koperasi Muslimin Malaysia Berhad KMMB personal financing (personal loan) will strive and fight to uphold an economic system based on Islam.
Goal And Objective
Carry out economic activities, education and welfare services in order to improve the socio -economic, moral and spiritual of its members.
Provide savings facilities (Al-Wadiah) for members and discard the practice of riba ‘.
Provide welfare schemes that can provide protection to members and contributions to Islamic activities.
Provide educational programs (tarbiyah) to increase the understanding of members in the field of Islamic muamalat.
Personal Loans Koperasi Muslimin Malaysia Berhad KMMB
How to Apply Personal Loan Koperasi Muslimin Malaysia Berhad KMMB
The Easy Way to apply Koperasi Muslimin Malaysia Berhad KMMB personal financing are by using the methods below:
Applicant’s General Documents: Complete the application form Certified copy of Identity Card Latest 3 months original salary slip & certified copy.
Letter of confirmation of service Eligibility form Salary Deduction Limit 60% (Government Employees).
Latest 3 months Bank Statement (Private) Guarantor General Document (For private applicants): Complete the Guarantor Bond form Certified copy of Identity Card Copy of latest 2 months salary slip & certified Letter of confirmation of service Form 1/79A (red) – Government Servants.
Koperasi Muslimin Malaysia Berhad Alamat: 17-3-1, Tingkat 3 Blok A, Jalan Semarak Api 1 Pusat Perniagaan Diamond Square Off Jalan Gombak 53000 Kuala Lumpur
Pinjaman Peribadi Maybank Berhad (Malayan Banking Berhad)- MBB merupakan bank yang paling terkenal di Malaysia. Bank yang mempunyai banyak cawangan di seluruh negara dan bank yang paling banyak mesin pengeluaran wang tunai dan deposit di Malaysia. Maybank juga mempunyai rangkaian teknologi yang terulung dengan memperkenalkan aplikasi bayaran secara on-line (atas talian) yang terawal di Malaysia. Aplikasi bayaran on-line tersebut dikenali sebagai Maybank2u.
Masa dulu-dulu, pembayaran pinjaman peribadi bank yang tidak melalui potongan gaji majikan (PGM) iaitu dengan potongan biro angkasa (bpa) kadang-kadang terlewat untuk dibayar. Ini kerana semua perkhidmatan perlu dibayar secara tunai terus ke kaunter bank yang berhampiran. Adakalanya terpaksa menunggu lama di kaunter bank sementara menanti nombor giliran anda dipanggil oleh mesin pengiraan barisan (queue number machine).
Ini membuatkan ramai di antara kita pada masa lalu yang terpaksa menunggu lama dan tidak kurang juga menunggu berjam-jam semata-mata untuk membayar pinjaman peribadi bank, membayar ansuran bulanan sewa beli kereta (hired purchased loan), installment rumah dan memindah tunai ke akaun lain (transfer duit).
Dengan adanya aplikasi dalam talian, bayaran komitmen bulanan dapat diselenggara dengan mudah dan efisien tanpa perlu beratur panjang di kaunter bank. Berdasarkan pengalaman, inilah website yang mula-mula sekali digunakan iaitu maybank2u.com.my. Aplikasi payment online website ini telah lama digunakan sejak dari tahun 2002 hingga sekarang. Jika dahulu bayaran bil siaran televisyen berbayar Astro hanya boleh dibayar di Pejabat Pos, tetapi dengan adanya maybank2u.com.my, bukan sahaja bil Astro, tetapi segala jenis bil dapat dibayar melalui website.
Begitulah cepatnya teknologi yang dahulunya semua transaksi bayaran dilakukan secara fizikal (cetakan resit menggunakan printer). Selepas itu menggunakan PC iaitu komputer dengan kewujudan laman web dan kini pula dengan menggunakan tablet ataupun telefon bimbit (smartphone) dengan adanya apps (aplikasi pintar) di Google Playstore dan Apple Apsstore.
Pinjaman Peribadi Maybank Berhad
Bank terkemuka di Malaysia yang menawarkan pelbagai produk dan perkhidmatan seperti pinjaman peribadi, pinjaman perumahan, pinjaman kenderaan, kredit kad, tawaran biasiswa kepada pelajar cemerlang dan lain-lain. Bagi kakitangan kerajaan yang berminat untuk memohon pinjaman peribadi dengan dana Maybank boleh berbuat demikian dengan membuat permohonan di beberapa koperasi seperti Koperasi Wawasan Malaysia Berhad dan Koperasi Pendidikan Islam Berhad (Ukhwah).
Walaubagaimapun, pemohon yang telah menghantar borang permohonan koperasi yang disebutkan di atas perlu melalui beberapa peringkat seperti koperasi akan menyemak status kredit menggunakan sistem occis, ccris yang dijana oleh bank negara dan sistem ctos. Sila ambil perhatian bahawa laman web yang anda sedang buka sekarang ini hanya terbuka kepada kakitangan kerajaan sahaja.
Kepada pekerja swasta, jangan membuat panggilan telefon ke nombor telefon bimbit seperti dibawah ataupun yang ada dalam laman web ini kerana nombor talian tersebut nombor hotline bagi penjawat awam sahaja. Bagi pekerja swasta, anggota tentera, peniaga, pesara kerajaan yang ingin membuat pinjaman peribadi, untuk pekerja swasta. Harap maklum dan ambil perhatian dalam perkara ini
Terbuka kepada kakitangan kerajaan berjawatan tetap dan polis sahaja.
Pinjaman Peribadi Maybank Islamic-i (MIPF-i)
Live a Brighter Life with Maybank Islamic Personal Financing-i. Hassle Free – No Guarantor or Collaterals required
Tenure: Minimum tenure 2 year | Maximum tenure 6 years
Profit Rate: Financing amount RM5,000 to RM20,000 (8% per annum fixed rate), Financing amount RM20,001 to RM50,000 (7% per annum fixed rate), Financing amount RM50,001 to RM100,000 (6.5% per annum fixed rate)
Benefits Monthly installment payment as low as RM115.28* per month. No documents stamping. No processing fee. Fast Approval. View the Maybank Islamic Personal Financing-i Monthly Installment Table
Who can apply
Individual Malaysian Citizen aged between 21 to 60 years old. Minimum income of RM30,000 per annum
Documents Required
Application form together with: Copy of NRIC (both sides)
1% p.a on the amount in arrears, calculated from overdue date till date of full monthly payment. No processing Fees or stamping fees. No Early settlement fees for early settlement of Maybank Islamic Personal Financing-i
*Terms and conditions apply
Pinjaman Peribadi Koperasi dengan Usahasama Maybank
Personal Loan Kowamas MBB
Pinjaman peribadi Koperasi Kowamas (Koperasi Wawasan Malaysia Berhad) telah lama diwujudkan dengan dana kewangan dari Maybank (MBB). Pinjaman peribadi ini akan menyemak rekod OCCIS pemohon. Rekod OCCIS adalah rekod urusniaga MBB ke atas pemohon-pemohon. Jadi sekiranya pemohon mempunyai apa sahaja kemudahan kewangan dari MBB, maka peluang untuk membuat pembiayaan dari Kowamas adalah sukar dan amat tipis sekali (reject) ditambah pula jika terdapat rekod blacklist di OCCIS.
Personal Loan Ukhwah Maybank
Pinjaman peribadi Koperasi Pendidikan Ukhwah adalah antara koperasi yang popular di Malaysia. Dana pembiayaan ini dibekalkan dari Maybank. Jadi kriteria dan tatacara permohonan pinjaman peribadi dengan Ukhwah Maybank juga adalah lebih kurang sama dengan pinjaman peribadi Kowamas.
Pinjaman Peribadi Koperasi Ukhwah Dan Kowamas (dana Maybank) Untuk Swasta
Bagi yang bekerja di sektor swasta pula bolehlah berhubung terus dengan cawangan Maybank yang berhampiran dengan anda kerana pembiayaan peribadi Maybank menerusi koperasi Ukhwah dan Kowamas adalah terhad kepada penjawat awam (kakitangan kerajaan) sahaja. Pihak kami tidak menguruskan pembiayaan untuk kakitangan swasta, peniaga, pesara dan lain-lain.
Loan Proses Lambat Dan Ditolak ‘Reject’
Bagi yang menginginkan interest rate rendah, kedua-dua koperasi yang dinyatakan amat sesuai sekali untuk membuat loan. Terdapat juga koperasi lain yang mendapat fund dari bank juga menawarkan financial interest rate yang competitive. Tetapi proses yang lambat dan approval rate rendah menyebabkan pelanggan telah beralih kepada koperasi yang mudah dan cepat seperti Yayasan Ihsan Rakyat (YIR) dan Koperasi Petronesa HDM.
Whether it’s for new house’s downpayment, a lucrative business opportunity or investment, further education or even home renovation you’ve been planning, regardless of reasons UOB Bank Personal Loan lets you have the extra money and freedom to do more.
Monthly Income
Monthly Income
Interest Rate
Salaried
Self-Employed
11.99% p.a.
RM2,000 < RM4,000
RM3,000 < RM6,000
10.99% p.a.
RM4,000 < RM7,000
RM6,000 < RM8,000
9.99% p.a.
RM7,000 and above
RM8,000 and above
0.83% is rounded to the nearest 1 decimal point from 0.833%, based on interestrate at 9.99% p.a.
Loan Amount: up to RM100,000
You can choose from a minimum loan of RM5,000 up to a maximum of RM100,000 cash (50,000 for self-employed applicants).
It gives you the flexibility to opt for a loan tenure that suits your financial style. Our flexible repayment loan tenure options are:
12
18
24
30
36
42
48
54
60
months
UOB Bank Monthly Installment Plan
UOB Bank Personal Financing with low monthly installment. Enjoy low monthly installment as alow as Rm124.96*. For repayment schedule, please scroll to the bottom of the page.
No Processing Fee, No Guarantor and No Collateral
UOB Personal Loan is hassle-free as you do not have to pay Processing Fee and there is no guarantor or collateral requirement.
Hassle-Free Application
Application for UOB Personal Financing is hassle-free. You simply do not require collateral or a guarantor. Just submit your application form with supporting documents and we will do the rest.
Interest Rate
9.99% p.a.
RM5,000
RM25,000
RM50,000
RM75,000
RM100,000
12 months
458.29
2,291.46
4,582.92
6,874.38
9,165.83
24 months
249.96
1,249.79
2,499.58
3,749.38
4,999.17
36 months
180.51
902.57
1,805.14
2,707.71
3,610.28
48 months
145.79
728.96
1,457.92
2,186.88
2,915.83
60 months
124.96
624.79
1,249.58
1,874.38
2,499.17
Interest Rate
10..99% p.a.
RM5,000
RM25,000
RM50,000
RM75,000
RM100,000
12 months
462.46
2,312.29
4,624.58
6,936.88
9,249.17
24 months
254.13
1,270.63
2,541.25
3,811.88
5,082.50
36 months
184.68
923.40
1,846.81
2,770.21
3,693.61
48 months
149.96
749.79
1,499.58
2,249.38
2,999.17
60 months
129.13
645.63
1,291.25
1,936.88
2,582.50
Interest Rate
11.99% p.a.
RM5,000
RM25,000
RM50,000
RM75,000
RM100,000
12 months
466.63
2,333.13
4,666.25
6,999.38
9,332.50
24 months
258.29
1,291.46
2,582.92
3,874.38
5,165.83
36 months
188.85
944.24
1,888.47
2,832.71
3,776.94
48 months
154.13
770.63
1,541.25
2,311.88
3,082.50
60 months
133.29
666.46
1,332.92
1,999.38
2,665.83
**Based on RM5,000 loan amount on 5 years repayment period
RHB Bank is providing the best personal loans to government servants and private sector. Max RM150,000. Instant approval. Apply now!
RHB Bank Personal Loan Summary
Bank Name: RHB Bank Personal Loan
Abbreviation / Code Name: RHB
Bank Promotion Name: General Info about latest personal financing
About RHB Bank Personal Loan
Whether it is to celebrate life’s big moments or exploring life’s opportunities or start something meaningful, our personal financing can assist you in achieving your dreams. In fact, you can also consolidate your debts with us to better manage your finances and provide for your loved ones’ needs.
Eligibility
Private Sector
Profit Rate : As low as 8.18% p.a. (equivalent to 15% p.a.)
Benefits : Financing of up to RM150,000
On-the-spot approval and disbursement
As low as RM 57.54/month
Up to 7 years tenure
Debt consolidation
Monthly Repayment Method
Self-payment
Auto debit instructions
Instant approval & disbursement
RHB Personal Financing is an option that is convenient and flexible at the same time, with reasonable interest rates for an affordable monthly installment repayment.
You may download the RHB Bank Personal Loan PF Forms here. Complete the form and send it back to us.
Get RHB Personal Financing for an ideal lifestyle! For as low as RM57.54* per month, get RM2,000 and more! Sign up now to enjoy these key benefits:
Stretch it out to 7 years
Repayment period from 1 to 5 years
Financing amount from RM2,000 to RM150,000
Financing amount capping and Interest Rates as below
*The rates stated above are based on a flat rate and vary according to the repayment period from 12 months onwards.
Tier 1: from 13.45%p.a. flat that is equivalent to EIR 24% p.a;
Tier 2: from 11.66% p.a. flat that is equivalent to EIR 21% p.a.;
Tier 3: from 9.91% p.a. flat that is equivalent to EIR 18% p.a.;
Tier 4: from 8.18% p.a. flat that is equivalent to EIR 15% p.a.
The EIR (effective interest rate) may be higher if the monthly payment is not reqular.
RHB Bank Personal Financing for Government Servants
This is the criteria for pinjaman peribadi RHB Bank
No advance payment
Promotion rate as low as 4.20% (flat rate)
Loans from RM2,000 to RM150,000
Repayment Tenure from 2 to 10 years
No guarantor needed
*Terms and conditions apply
Personal Financing-i for Private
RHB Bank Personal Financing-i for Private is only for you. Get access to funds, easier and faster. Contact the nearest branches today for more details.
Customer Care Centre
Our customer service team is your first point of contact for raising complaints or providing feedback. Talk to our staff at your nearest Branch or call our Customer Care Centre. We will do our best to help resolve any issue you may have. Phone: 03-9206 8118 / Email: customer.service@rhbgroup.com. For email communications, we appreciate if you can include the following details within your email for us to serve you more efficiently:
MyKad Identification Number/Passport Number
RHB Bank Account Number
Contact Number
Our specialist will work closely with you to resolve any complaint you may have quickly and amicably. If you have a compliment or suggestion, they will ensure your feedback is shared with the relevant teams. Upon received of your complaint/feedback, our customer service officer will contact you within 2 working days and we’ll attempt to resolve it as promptly as possible.
*For Insurance related matters, please call 1300-220-007 from Monday to Thursday (8.45am – 5.4pm) and Friday (8.45am – 5.45pm). Alternatively, visit our RHB Bank Insurance page for more information.
Discover how our products – Deposits, Financing, Investment and Takaful – can help you grow your personal wealth and assist you when you need it most, regardless of which life-stage you are in.
OCBC Personal Loan that all you needs. Overseas Bank with caters all local requirements. Please stay on the line for the new announcement with great offers.
OCBC Al-Amin offers simple and easily accessible Shariah compliant personal loan/financing service that have your best interest in mind. The suite of products give you advance cash at affordable rate and monthly payment to lighten your financial burden.
Everything you need, and nothing you don’t
Our tailor-made cash financing solutions give you:
Fast approval. Fast cash.
No collateral. No guarantor.
Financing amount of up to RM150,000.
Fixed monthly instalments from as low as RM100 per month.
Extended financing tenure up to 10 years.
Credit Facility (Home Xtra)
Credit Facility (Home Xtra) is given on top of your housing loan
Maximum of RM150,000*
For your own personal use, as you like*
No lock-in period*
Daily rest interest calculation
Term can be as long as 7 years
No processing fee
Easy loan application
*Terms & conditions apply
Life Insurance Financing for Home Loans
Life Insurance Financing for Home Loans Get your annual premium life insurance policy (to be used to cover your outstanding mortgage) financed
No initial out-of-pocket cost
Best for those that have had to pay large down-payments, renovations or other expenses to purchase a home
Minimum period financed is 5 years
For whole-life & term life policies underwritten by Great Eastern
Kuwait Finance House Murabahah Cashline-i Kuwait Finance House KFH
This promotion is called Murabahah Cashline-i Kuwait Finance House KFH Personal Loan
Top key features and benefits
Flexible:Withdrawal
No Minimum: Monthly Payment
Competitive: Pricing
Shariah Concept: “Murabahah Tawarruq”
High: Margin of Advance
Get instant cash without touching your existing deposits or investments! Whether it’s for urgent payments, education expenses, business or other commitments, we will provide you the extra flexibility and peace of mind to manage these common cash-flow needs with our Personal Loan Kuwait Finance House KFH Cashline-i.
Account Benefit
Flexible cash withdrawal anytime via cheque, Debit Card, ATM or at any of our branches.
No minimum monthly payment. You will only pay profit charges on the money you use. Only settle the full amount within the agreed time frame.Profit rate is based on utilised amount only.
No charges imposed on the unutilized portion. Competitive pricing. High margin of advance. No guarantor needed.
Fee
Brokerage Fee: Proportionate as per the financing amount. Stamp Duty: 0.5% of the financing amount. Takaful: As per customer’s profile (age, gender, tenure, etc).
Eligibility
Individuals aged 21 years old or up to 2 years before retirement age (60 years old).
Malaysian resident.
Owns any permissible assets which are acceptable to KFH Malaysia and free from any encumbrances.
For personal use or short term working capital.
Minimum tenure of 2 years and up to 5 years, subject to annual review.
Minimum of RM5,000 financing amount and a maximum of RM250,000.
Profit Rates
Base Rate plus margin subject to Contracted Ceiling Rate. Customer will be charged daily, based on the utilised amount calculated at Profit Rate and realised on a monthly basis.
Required Documents
Salaried earners:
Latest 3 months payslip.
Latest EPF Statement (must show latest 3 months contribution).
Other documents on case to case basis.
Own Business:
Latest B/e-Tax form with tax payment receipts, or EPF statements (must show at least 6 months contribution) or a copy of latest Audited Financial Statements.
Business Registration Form.
Additional documents such as latest 6 months Company bank statement; or Proprietor bank statement and latest 3 months Personal bank statement.
Other documents on case to case basis.
Kuwait Finance House Murabahah Personal Financing-i Generic
The next Kuwait Finance House KFH Personal Loan is called Murabahah Personal Financing-i Generic
Top key features and benefits
Up To RM250,000: Financing
2 to 10 Years: Tenure
Competitive: Financing Rates
Shariah Concept: “Murabahah Tawarruq”.
No: Guarantors Necessary
Lifestyles
Planning for a dream wedding or vacation you’ve always wanted? Need funds for the start-up you have in mind? Kuwait Finance House KFH Personal Financing-i is the best possible way to get you started.
Account Benefits
Financing up to RM250,000.
Flexible tenure from 2 to 10 years.
Competitive profit rates.
No guarantors needed.
“Takaful” protection for total peace of mind.
Easy payment via Interbank GIRO (IBG) or Interbank Fund Transfer (IBFT).
No early settlement penalty.
Fee
Brokerage Fee: Proportionate as per the financing amount.
Stamp Duty: 0.5% of the financing amount.
Takaful: As per customer’s profile (age, gender, tenure, etc).
Eligibility
Confirmed and permanent staff. Working with multinational companies, public limited companies, government-linked companies and their subsidiaries.
Individuals aged 21 years or up to 2 years before retirement age (60 years old).
Malaysian resident. Minimum gross monthly income of RM3,000.
Required Documents
Salaried earners:
Latest 3 months payslip.
Latest EPF Statement (must show latest 3 months contribution).
Other documents on case to case basis.
Own Business:
Latest B/e-Tax form with tax payment receipts, or EPF statements (must show at least 6 months contribution) or a copy of latest Audited Financial Statements.
Business Registration Form.
Additional documents such as latest 6 months Company bank statement, or Proprietor bank statement and latest 3 months Personal bank statement.
Other documents on case to case basis.
Interested to Apply A Kuwait Finance House Personal Loan? Talk With Us Now!
To apply Kuwait Finance House KFH personal loan –> Call/ SMS / Whatsapp: 019-2983056 (Give name, No.IC, Departments & Locations, office telephone number, mobile phone number(if no different with WhatsApp number), Permanent/ Contract, Basic Salary, Fixed Allowances and Total Deductions on latest payslip), E-mail: info@personalfinancingloan.com
Customer Reviews about Kuwait Finance House KFH Personal Loan
Get Kuwait Finance House KFH Personal Loan with flexible withdrawal and no minimum montly payment. Shariah Concept “Murabahah Tawarruq”. Click to apply
Apply HSBC Amanah Personal Loan with financing up to RM150,000, fast and hassle-free application. Fast approval and no guarantor. Get more info here
HSBC Amanah Personal Loan Summary
Bank Name: HSBC
Abbreviation / Code Name: –
Bank Promotion Name: General Info about personal financing at banks
About HSBC Personal Loan
Pinjaman Peribadi HSBC dengan pembiayaan sehingga RM150,000 dan bulanan hanya RM134 There are times when you need funds immediately. To secure an opportunity, fulfil a need in your lifestyle or maybe to handle life’s little twists and turns. HSBC Amanah Personal Financing-i is hassle-free personal financing that allows you to leap into what you want, faster and easier.
Benefits
Fast and hassle-free application
No guarantor, no collateral, fast approval.
Financing up to RM150,000
Monthly payment as low as RM134
Flat rate from 10.5% per annum
Payment period up to 7 years
Instant cash disbursement
**Terms and Conditions for HSBC Amanah Personal Financing-i apply. Applicable for New-to-Bank customers only. Minimum income RM5,000 per month.
Eligibility
You’re eligible for an Amanah Personal Financing-i Account if:
You’re aged between 21 and 60
Your monthly salary is RM3,0004 or above
You are Malaysian or have Malaysian PR status
Monthly salary of more than RM3,000 applies to existing customers who have any existing relationship with HSBC Amanah. Otherwise, the minimum monthly salary is RM5,000 per month.
Apply for HSBC Amanah Personal Financing-i
Required documents
If you are salaried:
Copy of your NRIC
Copy of a current or previous month’s pay slip / copy of a bank statement showing salary credit into your account; or Form BE (full submission to the income tax department with payment receipts attached) / EA / EPF statement; or copy of an appointment letter (if employed less than three months)
If you are a variable income earner:
Copy of your NRIC
Copy of the latest 3 months’ pay slips / copy of your bank statement showing salary credits into the account
Form BE (full submission to the income tax department with payment receipts attached) / EPF statement / copy of your yearly commission statements from your employer
If you are self-employed:
Copy of your NRIC
Copy of latest Form B (full submission to the income tax department with payment receipts, or CPO2 attached) / EPF Statement / copy of your audited financial statement / profit and loss account
Copy of your Business Registration form
HSBC Amanah Personal Financing-i (Education)
When it comes to your child’s education, it’s your dream to give them the best. With the help of our HSBC Amanah Branch Managers, you can now discover other financial opportunities with your available funds, ease your financial burden and fulfil not only your child’s dreams but yours as well.
Benefits
Apply for HSBC Amanah Personal Financing-i (Education) and enjoy:
Savings on school fees
Enjoy discounts when you make a full upfront payment instead of paying on a semester basis.
No early settlement fees
Enjoy the flexibility of a full payment before the official settlement date, without having to pay any additional charges. Better cash flow management
Enjoy access to available funds for other investments or financial opportunities.
Anytime Money Personal Financing-i is hassle-free personal financing that allows you to leap into what you want, faster and easier. Based on Shariah principle of Commodity Murabahah. And the best of it. No guarantor, no collateral and fast approval!
Get 20% Cash Bank for Hong Leong Bank personal loan HLB. Fast approval only 48 hours. 5 min loan approval. Repayment table inside. Contact us now!
Hong Leong Bank Personal Loan Summary
Bank Name: Hong Leong Bank
Abbreviation / Code Name: HLB
Bank Promotion Name: General Info about personal financing
About Hong Leong Bank Personal Loan HLB
Hong Leong Bank Personal Loan HLB is offering you the best financing at your convenient. Apply now with the best bank in Malaysia!
Hong Leong Bank Personal Loan HLB Features and Benefits
20% Cash Back on interest
Monthly instalments as low as RM130*
Fast approval within 48 hours**
Flexible repayment tenure of up to 5 years
Minimum income eligibility of only RM24,000 per annum
No guarantor and no collateral
5-minute loan approval at am:pm Convenient Banking**
Hong Leong Bank Personal Loan HLB Eligibility
Malaysian citizens only, aged between 21 to 60 years old
Earn a minimum annual income of RM24,000 per annum
* Based on a financing tenure of 5 years for RM5,000, and during Cash Back Period. ** 48-hour loan approval is subject to terms and conditions.
Take advantage of our Hong Leong Bank 4.38% p.a. low flat rate
Other terms and conditions apply.
Hong Leong Bank Personal Loan HLB Repayment Table
Refer to Hong Leong Bank Personal Loan HLB Repayment Table below: –
Loan (RM)
Int Rate
(p.a.)
Monthly Instalment (RM)
Monthly Instalment During Cash Back Period (RM)
2 Years
5 Years
2 Years
5 Years
5,000
12.50%
265
140
245
130
50,000
11.00%
2,545
1,295
2,365
1,180
100,000
10.00%
5,000
2,500
4,670
2,395
150,000
9.00%
7,375
3,625
6,925
3,345
Note:
Flat interest rate ranges 9.00% per annum – 12.50% per annum depending on loan amount, income and tenure.
Effective Interest Rate ranges from 12.38% – 22.42% per annum.
The above table serves as illustration purpose only, with the assumptions of customer with a minimum monthly income of RM4,000 and above.
Actual monthly instalment will be rounded up to the nearest RM5.
Hong Leong Bank Personal Loan HLB Fee and Charges
How about the Hong Leong Bank personal loan fee and charges? Refer to the below for the Fees and Charges applicable to Hong Leong Bank Personal Loan HLB.
Description/Service
Charges/Fees*
Stamp Duty Fee
0.50% of the disbursed facility amount for every approved facility
IBG Fee
A nominal fee of RM2.00 will be charged on every Interbank Giro (IBG), if any
Late Payment Charge
(Applicable to Personal Loan)
1% p.a. on the arrears of outstanding for each facility (daily rest basis)
Early Settlement
No charges/fees to be imposed provided 3 months’ written notice is given to the Bank prior to the early settlement. Otherwise, payment of 3 months’ interest on the amount redeemed is applicable.
(For Personal Financing-i, payment in lieu of notice is not applicable – customers are required to provide 3 months’ written notice should they opt for early settlement)
Compensation Charges
(applicable to Personal Financing-i)
For default payment during facility tenure = 1% p.a. on the overdue instalment amount
For default payment causing the facility to be terminated or brought to court = 1% p.a. on the outstanding balance (outstanding principal plus accrued profit)
For default payment after expiry of facility tenure = BNM Islamic Interbank Money Market (“IIMM”) rate on the outstanding balance (outstanding principal plus accrued profit)
For default payment post judgment = IIMM rate on the basic judgment sum
Apply Citibank Personal Loan and and get more benefits know matter your are civil servants, private sector, traders, self-employed etc. You can use your personal loan to grow your business, wedding, deposits your dream homes and use it wherever you need. Apply Citibank Personal Loan now!
Citibank Personal Loan Summary
Bank Name: Citibank Berhad
Abbreviation / Code Name: Citi
Bank Promotion Name: Citibank Personal Loan
Personal Loan Promotion Period: until present
Open to: All
Max Loan Amount: Salary Based Multiplier
Citibank Personal Loan Advantages
Citibank Personal Loan benefits at a glance:
Personal loan of up to 8x your gross monthly income (for applicants earning RM5,000 or more).
Loan amount for Citibank personal financing (RM5,000 – RM150,000)
Low flat interest rates of 7.9% – 12.5% per annum
Loan repayment tenure (24 – 60 months)
No processing fee
No collateral / guarantor required
Pinjaman Peribadi Citibank Berhad
Citibank dikenali sebagai bank benar-benar global kepada lebih daripada 200 juta pelanggan worldwide.Do lebih dengan kehidupan anda dengan wang tambahan ! Anda boleh lakukan lebih dalam hidup anda dengan duit tambahan. Anda boleh mengubahsuai rumah, membeli perabot dan peralatan rumah yang baru, membeli perabot baru, menyambung pelajaran, membeli-belah dengan pinjaman peribadi-i dan banyak lagi.
Sila ambil perhatian bahawa laman web yang anda sedang buka sekarang ini hanya terbuka kepada kakitangan kerajaan sahaja. Kepada pekerja swasta, jangan membuat panggilan telefon ke nombor telefon bimbit seperti dibawah ataupun yang ada dalam laman web ini kerana nombor talian tersebut adalah nombor hotline bagi penjawat awam sahaja. Bagi pekerja swasta, anggota tentera, peniaga, pesara kerajaan yang ingin membuat pinjaman peribadi, sila klik pinjaman peribadi Citibank untuk pekerja swasta. Harap maklum dan ambil perhatian dalam perkara ini.
https://citibank.com.my
Hashtag / Keywords
#personalloan #Bank #Citibank
Contact Citibank
Tel: 03-2383 0000
Level 1, Smart Banking Area, Citibank Tower, 165, Jalan Ampang, Kuala Lumpur, 50450 Kuala Lumpur
Opening Hours: 9.30am-5pm (Monday-Friday)
Citibank Personal Loan Reviews
Customer Reviews about Citibank Personal Loan
You can apply Citibank Personal Loan in 5 easy steps. Loan up to 8X gross monthly income @ max RM150,000. No processing fee. No guarantor. Click for more
Get CIMB Bank with Islamic Personal Loan, Conventional Financing, Secured ASB Certificate, Xpress Cash and Cash Plus. Apply now! Click here
Pinjaman Peribadi Cimb Bank Personal Loan Summary
Bank Koperasi Name: CIMB Bank
Abbreviation / Code Name: –
Bank Koperasi Promotion Name: Cimb Bank Personal Loan General Info
Cimb Bank Islamic Loan (Pinjaman Peribadi Islamik)
Cimb Bank Personal Loan Xpress Cash Financing-i
Enjoy fast and flexible financing up to 8X your gross monthly income (basic + fixed income) with Cimb Bank Personal Loan to make your dream a reality. It’s easy and hassle free! Individuals aged 21 to 60 years old*
Minimum Monthly Gross Income Eligible with a minimum monthly gross income of RM800 (including variables, e.g. overtime and allowances).
Eligibility for this personal financing is an individuals aged 21 to 60 years old*, Malaysian citizen, No joint applications allowed. Minimum monthly gross income of RM800 (including variables, e.g. overtime and allowances).
At least 6 (six) months of employment or business establishment. Minimum financing amount offered is RM3,000 with Maximum RM50,000 or up to 8X gross monthly income (whichever is lower).
*Maximum 65 years old upon maturity of loan tenure
TF-i ASB based on the concept of Commodity Murabahah-Tawarruq which is secured by ASB Certificate, helps you to grow your wealth and achieve your financial goals.
Malaysian Bumiputera only
Profit rate of BR + 1.55% p.a.
Enjoy a stable Profit Rate throughout your financing tenure; of which is being capped at Ceiling Profit Rate (CPR) of 10.75%.
PNB’s Disclaimer
The Master Prospectus of funds of ASNB dated 30 June 2017 and supplementary prospectuses dated 15 December 2017, 1 April, 9 July, 14 September 2018 and 2 January 2019 (“Prospectuses”), have been registered with the Securities Commission Malaysia. Please read and understand the content of the Prospectuses together with the Product Highlights Sheets which are available at ASNB website, branches and agents. Units will be issued upon receipt of the registration form referred to and accompanying the Prospectuses. Before investing, please consider the risks of investing as well as the fees and charges involved.
Unit prices and distribution payable, if any, may go down as well as up. Past performance of a fund should not be taken as indicative of its future performance.
Where unit trust financing is available, investors are advised to read and understand the contents of the unit trust financing risk disclosure statement before deciding to borrow to purchase units.
Important Notes BR as at 15 May 2019: 4.00%
Fees and Charges
Products/Items
Charges
Documentation Fee:
– ASB Certificate Lien Fee
– Nominal Stamp Duty
– RM 50 payable to Amanah Saham Nasional Berhad (ASNB)
– RM 10
Financing Tenure From 5 years up to a maximum of 35 years or 65 years of age (whichever is earlier).
Financing Amount Minimum RM10k; Maximum RM200k
High Margin of Financing (MOF) Up to 100% MOF + 5% Takaful coverage
CIMB Bank Personal Loan – Conventional Loan
CIMB Bank Cash Plus Personal Loan
An unsecured, hassle-free term loan to fulfill your dreams. No collaterals. No guarantors. Convenient repayment tenure up to 7 years and loan amount up to RM300,000 is only applicable for Existing to Bank customers. (Subject to eligibility criteria)
Individuals aged 21 to 58 years old*
As low as 6.88% per annum* Fixed interest rates from as low as 6.88% to 16.88% fixed per annum which is equivalent to Effective Interest Rates of 12.31% to 26.65% per annum.
Eligibility Conventional Loan Individuals aged 21 to 58 years old*, Malaysian citizen, Minimum monthly gross income of RM2,000, In employment for more than 6 consecutive months, For self-employed, business to be active for more than 24 months
Fees & Charges Late payment penalty: 1.0% p.a. on the instalment amount in arrears from overdue date.
Early settlement Fee: Nil
No additional fees No processing fees, no early settlement fees, no lock-in period and no stamp duty
Loan tenure of up to 7 years Flexible payment period for up to 7 years
Note:
Loan tenure of 6 & 7 years is only applicable for Existing to Bank Customers. Additional criteria to be entitled for loan tenure of 6 & 7 years is age ≥30 years with a monthly gross income of ≥RM3,000.
New to Bank Customers and Existing to Bank Customers who do not fulfill the above criteria are entitled to a loan tenure of up to 5 years.
Loan Tenure
Fixed Interest Rate
Equivalent to Effective Interest Rate (Fixed interest rate, reducing balance, daily rest. Subject to customer remaining until end of tenure)
2 to 5 Years
6.88% p.a.
12.31% p.a.
9.88% p.a.
17.09% p.a.
11.88% p.a.
20.13% p.a.
14.88% p.a.
24.15% p.a.
6 to 7 Years
6 Years
7 Years
7.88% p.a.
13.72% p.a.
13.51% p.a.
10.88% p.a.
18.26% p.a.
17.92% p.a.
12.88% p.a.
21.15% p.a.
20.71% p.a.
16.88% p.a.
26.65% p.a.
26.03% p.a.
*Please note the final approved Fixed Interest Rate and Effective Interest Rate are subject to the Bank’s approving criteria.
CIMB Bank Secured Overdraft Facility
A Facility that is made available in your CIMB Bank Current Account by pledging a collateral to the Bank.
Individuals aged 21 to 70 years old
Acceptable Collaterals: You can use collaterals you already have with CIMB Bank to secure an Overdraft Fixed Deposit, Selected Structured Products/FRNID and Selected Unit Trust Funds* Or you can use these collaterals instead- Amanah Saham Bumiputera Unit from Amanah Saham Nasional Berhad
*Please refer to our Sales Representative for latest acceptable Investment Product & Unit Trust Funds
More Savings: Enjoy CIMB Bank greater savings with interest charged only for the amount used.
Financial Liquidity: Manage your cash flow better with no minimum/fixed monthly repayment schedule.
Eligibility for Secured Overdraft
Individuals aged 21 to 70 years old
Malaysian or residents with PR status residing in Malaysia
Owner of the collateral (free from any encumbrance)
Customer Reviews about Pinjaman Peribadi Cimb Bank
Pinjaman Peribadi Cimb Bank Kelulusan 24 Jam! Nikmati pembiayaan yang pantas dan fleksibel. Semua layak membuat pinjaman. Jom apply loan sekarang. Dapatkan info seperti dibawah.
Bank Simpanan Nasional Berhad BSN Personal Loan dedicated to public sector, executive, sandaran SSP, ASB Financing? Apply now! Click here
Bank Simpanan Nasional Berhad BSN Personal Loan Summary
Bank Name: Bank Simpanan Nasional
Abbreviation / Code Name: BSN
Bank Promotion Name: General Info about BSN personal financing
About Bank Simpanan Nasional Berhad BSN Personal Loan
Bank Simpanan Nasional Berhad (BSN) adalah Personal Loan yang terbaik di Malaysia untuk kakitangan kerajaan, badan berkanun dan seumpamanya. Masih tercari-cari pakej pinjaman peribadi yang tepat dengan anda? Dengan kadar interest yang kompetitif, anda akan memperolehi apa yang anda inginkan dengan Pinjaman Peribadi Bank Simpanan Nasional Berhad BSN.Pinjaman Peribadi Bank Simpanan Nasional Berhad ini mempunyai kod potongan yang tersendiri iaitu dan masih dipotong dalam slipgaji bagi kakitangan kerajaan dan badan berkanun terpilih.
Personal Financing BSN MyRinggit-i PRIMA is specially tailored to help medical practitioners secure the personal financing they need. No guarantor is required.
Shariah Concept
This Bank Simpanan Nasional personal financing is based on the Shariah concept Tawarruq which comprises of Bai Murabahah and Wakalah contracts, using the commodity (underlying asset) from Bursa Suq al Sila’.
Terms and Conditions
Malaysian citizens aged from 21 years old to 65 years old (for Medical Doctors) 50 years old (for Medical Officers)
Minimum gross income of RM3,000.00 per month.
Bank Simpanan Nasional BerhadGIRO/i account holder.
BSN Financing Loan
Still looking for the right home financing package or personal loan financing plans? With our competitive rates and packages, you’ll find what you need here at BSN Bank Simpanan Nasional Berhad.
Vehicle Financing: MyAuto-i, MyAuto-i UsedCar, High Ranking Officials Scheme
BSN MyRinggit-i (Public Sector)
Shariah Concept
Based on the Shariah concept of Tawarruq which comprises of Bai Murabahah and Wakalah contracts using the commodity (underlying asset) provided by the approved commodity provider.
Personal Loan Conditions
Malaysian citizen aged 21 years old to 60 years old (subject to retirement age at the end of financing tenure).
Works in government sector / GLA / GLC / organizations which has the facility of salary deduction through BPA.
Minimum income of RM1,500 per month.
Permanent employee who has been employed for 3 months and above.
Our Bank Simpanan Nasional Berhad BSN MyRinggit-i Eksekutif-1 is exclusively designed to help you meet your personal financing needs at affordable rates.
Based on the Shariah concept of Tawarruq.
Financial Terms
Malaysian citizen aged 21 years old to 55 / 60* years old (subject to retirement age at the end of the financing tenure).
Open to permanent & contract officers and staff that have minimum one year of working experience.
Offered only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology,Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals).
Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 (contract staff).
BSN GIRO/i Account holders.
Note: *Subject to employer confirmation
Personal Financing Info
Int Fixed Rate
Loan Floating Rate
Profit Rate
6.00% to 8.50%
BR + 5.00%
Profit Rate Without Takaful
Additional 1% from the above profit rate
Financing Limit
Income
Financing Limit
RM3,000 to RM5,000
5x of monthly gross income
> RM5,000 to RM10,000
7x of monthly gross income
> RM10,000
10x of monthly gross income/ maximum RM200,000 whichever is lower
Financing Tenure
Minimum: 2 years Maximum: 10 years
Method of Payment
BSN Standing Instruction
Terms & conditions apply.
Private Sector Loan BSN MyRinggit-i PRIMA
Personal Financing BSN MyRinggit-i PRIMA is specially tailored to help medical practitioners secure the personal financing they need. No guarantor is required.
Shariah Concept
This Bank Simpanan Nasional personal financing is based on the Shariah concept Tawarruq which comprises of Bai Murabahah and Wakalah contracts, using the commodity (underlying asset) from Bursa Suq al Sila’.
Terms and Conditions
Malaysian citizens aged from 21 years old to 65 years old (for Medical Doctors) 50 years old (for Medical Officers)
Minimum gross income of RM3,000.00 per month.
Bank Simpanan Nasional Berhad GIRO/ i-account holder.
Bank Simpanan Nasional Berhad BSN Personal Loan Reviews
Customer Reviews about Bank Simpanan Nasional Berhad BSN Personal Loan
One of the best personal financings in Malaysia, BSN is the best choice among government and private sector. Apply your loan with Bank Simpanan Nasional now.
Bank Islam Malaysia Berhad BIMB offerings Personal Financing Loan for permanent and contract for Government and Business Loan. Find out more. Apply now!
Bank Islam Personal Loan Summary
Bank Name: Bank Islam Personal Loan
Abbreviation / Code Name: BIMB
Bank Koperasi Promotion Name: General Info about Bank Islam personal financing
About Personal Financing Loan Bank Islam Malaysia Berhad BIMB
Personal Financing Loan Bank Islam Malaysia Berhad is Syariah Compliant Financing. For those who seek for good interest rates and Islamic loan, do not look further. Catered for all type of individuals, professionals in all areas. The peace of mind ‘pinjaman peribadi’ and very competitive monthly installment. Apart from personal loan, Bank Islam also offers other services like credit card, housing loan, home financing-I etc.
To apply koperasi personal loan, please Call/SMS/Whatsapp your latest e penyata gaji anm or epayslip to 019-2983056.
Choose your Personal Loans
Personal Financing Loan Bank Islam Malaysia Berhad BIMB Cash Line-i
Personal Financing Loan Bank Islam Malaysia Berhad Cash Line-i against Bank Islam’s Fixed Deposit, Structured Investment or Unit Trust. One of the best personal financings in Malaysia.
Financing Quantum: Subject to a minimum of RM10,000
Margin of Financing
Up to 100% if secured against fixed deposit
Up to 80% if secured against structured investment
Up to 60% if secured against unit trust
Payment Period
Secured against fixed deposit or structured investment. Maximum of 5 years (60 months) with no age limit. Secured against unit trust
Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier
Personal Financing Loan Bank Islam Malaysia Berhad BIMB Cash Line-i Secured
Personal Financing Loan Bank Islam Malaysia Berhad Cash Line-i against Bank Islam’s Fixed Deposit, Structured Investment or Unit Trust
Financing Quantum: Subject to a minimum of RM5,000
Margin of Financing
Up to 100% if secured against fixed deposit
Up to 80% if secured against structured investment
Up to 60% if secured against unit trust
Payment Period
Secured against fixed deposit or structured investment
Maximum of 5 years (60 months) with no age limit
Secured against unit trust
Maximum of 5 years (60 months) or up to the retirement age or up to 70 years old, whichever is earlier
Bank Islam Malaysia Berhad BIMB Personal Financing-i Non-Package
Financing Quantum
Based on eligibility limit and subject to minimum of RM10,000 and maximum amount of RM150,000
Financing RM30,000 and below – without guarantor
Financing more than RM30,000 – one guarantor
Payment Period: Maximum 120 months (10 years) or up to the retirement age, whichever is earlier
Bank Islam Malaysia Berhad BIMB Personal Financing-i Package
Features Financing Quantum: Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
Payment Period
Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
Promotional Rate for Teacher and Nurse (7 months only from 01/08/2019 to 29/02/2020)
Bank Islam Malaysia Berhad BIMB Personal Financing-i Programme for Medical Practitioner
Financing Quantum: Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
Payment Period Tenures: Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
Financing Rate Offer with Takaful Coverage
Flat Rate (Promotional Rate for Package and Program Customer, 7 months only from 01/08/2019 to 29/02/2020)
1- 3 years: 4.20% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
4-10 years: 4.35% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
Floating Rate Fragmentation (Base Rate [BR])
1-3 years: Base Rate (BR) + 2.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
4-10 years: Base Rate (BR) + 3.02% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
Revised BR (effective date 10 May 2019) is 3.77% p.a
Financing Rate Offer Without Takaful Coverage
Flat Rate (Promotional Rate for Package and Program Customer, 7 months only from 01/08/2019 to 29/02/2020)
1-10 years: 5.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
Floating Rate (Base Rate [BR])
1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
4-10 years: Base Rate (BR) + 5.28% p.a.
Revised BR (effective date 10 May 2019) is 3.77% p.a
Eligibility & Requirements
Eligibility (Salary Earner)
Applicant must be 25 years old and not exceeding the retirement age at the end of payment period
Malaysian citizen
Fixed income earner with a minimum gross income of RM2,000 per month
Minimum tenure in service:
Permanent Staff: 6 months
Contract Staff: 2 years (Government only)
Eligibility (Sole Proprietorship or Partnership)
Applicant must be 25 years old and not exceeding the retirement age at the end of payment period (maximum entry age is 65 years and up to 70 years old)
Malaysian citizen
Earning a minimum gross monthly income of RM2,000 and above
Minimum of 2 years in business
Documents Required
For salary earner applicant: –
Photocopy of Identity Card
Latest pay slip
Latest letter of confirmation from employer (salary earner)
Certificate of registration with Malaysian Medical Council or Malaysian Dental Council
And at least one (1) of these:
Latest income statement (Form B/eBE/ EA/EC); or
Latest 3 months Bank Statements of salary crediting account; or
Any other latest supporting document such as EPF statement, if required
For Sole Proprietorship or Partnership: – Photocopy of identity card
Fees & Charges
RM50.00 – For being the customer’s agent to sell commodity to the Broker.
Customer Reviews about Personal Financing Loan Bank Islam
Bank Islam Malaysia Berhad BIMB offerings Personal Financing Loan for permanent and contract for Government and Business Loan. Find out more. Apply now!
Pinjaman Peribadi AgroBank Cash-i adalah yang terbaik. FInancing limit max RM200,000 and open to Government Employees and GLC staff. Apply now!
Pinjaman Peribadi AgroBank Summary
Bank Name: Agrobank
Abbreviation / Code Name: –
Bank Koperasi Promotion Name: General Info about personal financing with bank
About Pinjaman Peribadi AgroBank
Pinjaman Peribadi Terbaik: Dikenali sebagai AgroBank Cash-i facility for customers for the purpose of consumer financing mainly related to agriculture and agro-based activity. The implementation of the AgroBank Cash-i Personal Loanis based on the Tawarruq transactions.
AgroBank Personal Loan Eligibility Criteria
Age Requirement
Government Employees Age between 18 to 60 or up to retirement age whichever is earlier
GLC Staff Age between 21 to 60 or up to retirement age whichever is earlier
Eligibility
Government Employees Permanent and have served for at least 6 months (confirmed or under probation)
GLC Staff Permanent staff and has been confirmed with at least one year of service
Min. Salary Requirement
Government Employees RM1,000 gross salary per month
GLC Staff RM2,000 gross salary per month
Takaful Coverage
Customer is encouraged to take Skim Takaful Kredit
Pinjaman Peribadi AgroBank Cash-i Product Details
Pinjaman Peribadi AgroBank Cash-i criteria as below:
Financing Limit: Government Employees: Maximum RM200,000 GLC Staff: Maximum RM200,000
Financing Tenure: 10 years maximum
Profit Rates: (Subject to eligibility and current changes)
Description Eligibility Criteria: Profit rate is subjected to eligibility and current conditions changes. Profit rates are as below:
FEDERAL GOVERNMENT: Tenure Profit Rate: Up to 3 years BR + 2.85% p.a ; 4 to 10 years BR + 3.35% p.a
STATE GOVERNMENT/STATUTORY BODY/PIHAK BERKUASA TEMPATAN & GOVERNMENT LINK COMPANY
Tenure Profit Rate Up to 3 years BR + 3.22% p.a ; 4 to 10 years BR + 3.67% p.a
FOR APPLICATION THAT HAS UNSATISFACTORY CREDIT ASSESSMENT
Tenure Profit Rate Up to 10 years BR + 4.25% p.a; Profit rate charged is dependent on the following criteria:
Existing and new customer
Good track record as per CCRIS which not exceed MIA-2 for the past 12 months.
Salary deduction through BPA
No Rescheduling and Restructuring (R&R) status.
No Special Attention Account (SAA)
Ceiling Profit Rate (CPR): – BR + 7.15% p.a or 10% p.a whichever is higher for the calculation of Sale Price
Effective Profit Rate (EPR): – At the current profit rate and did not exceed CPR and calculated based on monthly balance
Note: Current BR is at 3.60%
AgroBank Personal Loan Fee & Charges
Stamp Duty As per the Stamp Act 1949 (Revised 1989).
Advanced Installment
Advance payment of installments equivalent to three (3) month installment which shall be used as payment of default under the financing.
Advance installments shall be deducted from the financing amount.
Advance payment can only be taken prior to financing is matured or settled.
Brokerage Fee RM 30 per transaction (Subject to Service Tax at rate of 6% (if applicable)
Note: The Bank will notify the Customer at least 21 days before effective date should any changes is made to the fees and charges.
OCBC Bank offering the best personal loan in Malaysia. Shariah compliant with affordable rate and monthly payment. Click to apply.
About OCBC Personal Loans
OCBC Bank Personal Loan that all you needs. Apply now and get rewarded with great deals. Do let us know if you have any inquiries about this matter.
OCBC Al-Amin offers simple and easily accessible Shariah compliant personal loan/financing service that have your best interest in mind. The suite of products give you advance cash at affordable rate and monthly payment to lighten your financial burden.
Everything you need, and nothing you don’t
Our tailor-made Al-Amin cash financing solutions give you:
Fast approval. Fast cash.
No collateral. No guarantor.
Financing amount of up to RM150,000.
Fixed monthly instalments from as low as RM100 per month.
Extended financing tenure up to 10 years.
*source from OCBC Bank malaysia website
Overdraft
Pledge your assets for extra cash
Get standby funds up to the approved credit limit
Access extra cash
Interest is charged only on amount used, depending on collateral pledged
Interest rates are dependent on the collateral pledged. Call us at 03 8317 5000 for more information.
Consult our customer service officers and get free advice for your education loan needs with no obligations.
Dapatkan pinjaman peribadi untuk SPAN Staff dengan kadar terbaik. Personal Loan untuk berjawatan tetap atau kontrak. Potongan Biro Angkasa (BPA). Mohon sekarang
About Suruhanjaya Perkhidmatan Air Negara SPAN
Overview of Suruhanjaya Perkhidmatan Air Negara SPAN
Vision: Towards a sustainable, reliable and affordable water service for all.
Mission: To regulate the water services industry throuth fair, effective and transparent implementation of Water Services Industry Act.
In a special sitting in January 2005, Parliament approved the amendments to the Ninth Schedule of the Federal Constitution to transfer matters related to WATER SUPPLIES AND SERVICES from the State List to the Concurrent List (except for Sabah and Sarawak). The amendments were gazetted on 10th February 2005 and the enforcement date was 21st March 2005.
With the amendments, the Federal Government will regulate the water services industry in terms of licensing and regulating water services operators. The State Government also retains the power to declare and regulate water resources, water catchment areas and river basins.
In mid 2006, the Malaysian Parliament approved two landmark legislations that transformed the way Malaysia manages its water services, i.e. the Suruhanjaya Perkhidmatan Air Negara Act (Act 654) or SPAN Act and the Water Services Industry Act (Act 655) or WSIA. The former outlines the roles, functions and scope of work to be undertaken by the National Water Services Commission or SPAN, while the latter has provisions to cover economic, technical and social regulations as well as protection of consumer interests. For more info please continue reading on SPAN official website.
Personal Loan to SPAN Staff
At the moment, we only provide personal loan to employees with AG payslip (from Ministry of Finance (MOF). For contract basis is not eligible to apply loans from us.
For more information which Koperasi is suitable for your needs, please click here.
You may also contact us for get more details about Promosi Pinjaman Peribadi Terkini that suits your needs.
Customer Reviews about Pinjaman Peribadi SPAN Staff
Dapatkan pinjaman peribadi untuk SPAN Staff dengan kadar terbaik. Personal Loan untuk berjawatan tetap atau kontrak. Potongan Biro Angkasa (BPA). Mohon sekarang
About Pinjaman Peribadi Malaysian Palm Oil Board MPOB Staff Loan
Salam sejahtera semua! Entry kali ini kami akan memperkenalkan promosi Pinjaman Peribadi Malaysian Palm Oil Board MPOB Staff. Promosi personal loan ini terhad dan ada tempoh masanya kerana pembiayaan koperasi mempunyai tempoh masa tertentu untuk pemohon memohon pembiayaan.
Buat masa ini,Pinjaman Peribadi Malaysian Palm Oil Board MPOB Staff Loan ditawarkan bagi yang berjawatan tetap sahaja. Bagi pekerja kontrak atau jawatan sementara tidak layak memohon dengan Pinjaman Peribadi Malaysian Palm Oil Board MPOB Staff Loan. Terus hubungi kami untuk mengetahui samada pakej Pinjaman Peribadi Malaysian Palm Oil Board MPOB Staff Loan untuk kakitangan berjawatan kontrak dan sementara dibuka untuk permohonan.
Terdapat beberapa koperasi yang menguruskan pembiayaan peribadi kepada kakitangan MPOB antaranya Koperasi Yayasan Perlis RCE, Koperasi Petronesa, Koperasi Gemilang Siswazah Berhad (Kogemilang), Koperasi Kowamas, Koperasi Kekal, Koperasi Pendidikan Islam (Ukhwah) dan lain-lain koperasi. Cara pembayaran ansuran bulanan melalui potongan biro angkasa. Jadi anda tidak perlu risau untuk membuat bayaran kerana potongan diuruskan melalui skim potongan gaji majikan.
Anda berminat? Jika ya…….
Bagi yang berminat untuk Pinjaman Peribadi Malaysian Palm Oil Board MPOB Staff Loan dan mengira kelayakan pinjaman anda, anda bolehlah memohon dengan cara mengklik saya ingin mengira kelayakan pinjaman peribadi. Telah ramai pelanggan yang membuat permohonan melalui pihak kami dan kami percaya ketelusan dan kejujuran dalam memberi perkhidmatan kepada anda adalah keutamaan kami.
Untuk semakan kelayakan Pinjaman Peribadi Malaysian Palm Oil Board MPOB Staff Loan, sila Call/SMS/Whatsapp payslip e penyata gaji terkini ke 0192983056
About Malaysian Palm Oil Board (MPOB)
Premier Government Agency
MPOB is the premier government agency entrusted to serve the country’s oil palm industry. Its main role is to promote and develop national objectives, policies and priorities for the wellbeing of the Malaysian oil palm industry.
It was incorporated by an Act of Parliament (Act 582) and established on 1 May 2000, taking over, through a merger, the functions of the Palm Oil Research Institute of Malaysia (PORIM) and the Palm Oil Registration and Licensing Authority (PORLA). Each of these respective organisations has been involved in the oil palm industry for more than 20 years and it is to render more effective services as well as to give greater national and international focus to the industry that MPOB was instituted.
Funding
MPOB derives its funding mainly from cess imposed on the industry for every tonne of palm oil and palm kernel oil produced. In addition, MPOB receives budget allocations from the government to fund development projects and for approved research projects under the Intensification of Research in Priority Areas (IRPA) programme.
Vision
To become the premier Nobel Laureate – producing research and development institution, providing leadership and impetus for the development of a highly diversified, value-added, globally competitive and sustainable oil palm industry.
Mission
To enhance the well-being of the Malaysian oil palm industry through research, development and excellent services.
Additional Info
Strategies
Expand and improve the current uses of oil palm products.
Find new uses for the products.
Improve production efficiency and quality of products.
Optimise land utilisation in oil palm areas.
Promote the use, consumption and marketability of oil palm.
Policy
To adopt strong market and industry-oriented research and development programmes.
To aggressively undertake transfer of technologies and commercialisation of research results.
To forge an active partnership in technology development and utilisation with the private and public sectors.
To strengthen international linkages and research collaboration in selected areas.
To promote global awareness, appreciation and demand for Malaysian oil palm and products.
Functions
Implement policies and development programmes to ensure the viability of the oil palm industry of Malaysia.
Conduct and promote research and development activities relating to the oil palm industry.
Regulate, register, co-ordinate and promote all activities relating to the oil palm industry.
Develop, promote and commercialise research findings as well as provide technical, advisory and consultancy services to the oil palm industry.
Develop and maintain markets for oil palm products as well as promote efficient marketing.
Liaise and co-ordinate with other organisations inside or outside Malaysia to further enhance the oil palm industry of Malaysia.
Plan and implement training programmes and human resource development in line with the needs of the oil palm industry.
Be the resource and information centre of the oil palm industry including the publication and dissemination of information on oil palm as well as other oils and fats.
The Board Members
Members of the Board which comprises a Chairman, representatives from the government and the industry, and the Director-General of MPOB are appointed by the Minister of Plantation Industries and Commodities. The Board plays a leadership role in giving direction to the organisation.
Several committees serve the Board in the following areas:
Research (Programme Advisory)
Finance & Development
Tenders
Establishment
Registration & Licensing
Audit
The Programme Advisory Committee
The Programme Advisory Committee comprising eminent scientists and experts from Malaysia and abroad annually examines and makes recommendations on research activities for the Board’s consideration.
The oil palm industry forms the economic backbone of Malaysia and continues to face new challenges in the face of globalization. Rapid responses are needed to meet the increasing challenges of the industry as they unfold. MPOB as the custodian of the oil palm industry is entrusted with meeting these challenges through excellence in R&D and services.
Pinjaman Peribadi Malaysian Palm Oil Board MPOB Staff Loan.khas untuk berjawatan tetap dan kontrak. Koperasi Yayasan Perlis RCE dan Bank terkemuka. Baca lanjut.
Koperasi Permodalan Usahawan Nasional Berhad – KPUNB menawarkan personal loan popular dengan pembiayaan RM200,000 blacklist lulus. Mohon sekarang
Koperasi Permodalan Usahawan KPUNB Loan Summary
Koperasi Name: Koperasi Permodalan Usahawan Nasional Berhad
Abbreviation / Code Name: KPUNB
Koperasi Promotion Name: General Info about personal financing Koperasi Permodalan Usahawan Malaysia Berhad
Mengenai Koperasi Permodalan Usahawan Malaysia Berhad KPUNB
Pinjaman Peribadi Koperasi Permodalan Usahawan Nasional Berhad KPUNB Merintis Pembiayaan Kerajaan. Untuk semakan kelayakan pinjaman peribadi KPUNB, sila Call/SMS/Whatsapp payslip e penyata gaji terkini ke 0192983056. Mengamalkan prinsip syariah bai al-inah iaitu skim pinjaman yang berlandaskan prinsip syariah Islam antarabangsa. Rebet atau ibra’ akan diberikan jika membuat penyelesaian awal. Pembiayaan ini dahulunya dengan usahasama bank terkemuka dunia iaitu Al-Rajhi Bank.
Personal loan ini terbuka kepada kakitangan kerajaan berjawatan tetap dan polis sahaja.
Apabila semua dokumentasi berkaitan loan sudah siap dan dihantar ke pejabat Koperasi Permodalan Usahawan Nasional Berhad, tempoh memproses borang dalam masa 2 minggu dari tarikh penghantaran borang loan. Dan apabila permohonan pembiayaan anda lulus, maka pihak Koperasi Permodalan Usahawan Nasional Berhad – KPUNB akan menghubungi pemohon bagi urusan akad jual beli. Ini adalah koperasi yang mula-mula memperkenalkan proses akad kepada pemohon/pembeli setelah loan mereka lulus.
Ketelusan dan kebolehpercayaan amatlah di titikberatkan dalam setiap permohonan Pinjaman Peribadi Koperasi Permodalan Usahawan Nasional Berhad KPUNB ini. Jika terdapat tandatangan yang tidak clear samada dari pemohon atau dari pegawai yang menandatangani borang loan, pihak pemohon haruslah membuat semula borang tersebut sehingga benar-benar lengkap.
KPUNB Personal Loan (dana sendiri)
Pinjaman Peribadi Koperasi Permodalan Usahawan Nasional Berhad KPUNB ini menggunakan dana sendiri. Interest di antara rendah: Iaitu 5.99%-7.99%. Payout: 96% tolak 3 bulan deposit tolak processing fee RM400. Tempoh pembiayaan yang panjang iaitu sehingga 20 tahun. Amaun pembiayaan maksima RM200 ribu. Pembiayaan peribadi tanpa penjamin. Buat masa ini tempoh pemprosesan adalah sekitar 1-2 minggu tertakluk kepada dokumen mestilah lengkap. Pemohon yang mempunyai rekod blacklist yang besar juga layak memohon. Dokumen yang ringkas.
Pinjaman Peribadi KPUNB (dana Al-Rajhi)
Pembiayaan kewangan Koperasi Permodalan Usahawan Nasional Berhad – ini menggunakan dana Al-Rajhi Bank. Interest di antara rendah:Iaitu 7.99%. Ada pengesahan majikan dan akad loan melalui panggilan telefon. Duit loan akan reimburse menggunakan mana-mana buku akaun bank. Kriteria pinjaman peribadi Koperasi Permodalan Usahawan Nasional Berhad (KPUNB):
Payout: 82% tolak 3 bulan deposit tolak processing fee RM400.
Selepas itu payout dinaikkan kepada 85% dan 87% sebelum promosi tamat.
Tempoh pembiayaan yang panjang iaitu sehingga 20 tahun.
Amaun pembiayaan maksima RM200 ribu.
Pembiayaan peribadi tanpa penjamin. Buat masa ini tempoh pemprosesan adalah sekitar 2-4 minggu tertakluk kepada dokumen mestilah lengkap.
Pemohon yang mempunyai rekod blacklist yang besar seperti blacklist housing loan juga layak memohon tetapi perlu menyediakan statement terkini housing loan.
Dokumen yang ringkas untuk memohon personal loan Koperasi Permodalan Usahawan Nasional Berhad tanpa perlu menunggu lama untuk proses kelulusan.
Interested to Apply a Personal Loan? How to communicate
Call/ SMS / WhatsApp: 019-2983056 (Give name, No. IC, Departments & Locations, office telephone number, mobile phone number (if no different with WhatsApp number), Permanent/ Contract, Basic Salary, Fixed Allowances and Total Deductions on latest pay slip).
Mohon Pinjaman Peribadi Koperasi Permodalan Usahawan Nasional Berhad KPUNB
Kami menyediakan perkhidmatan pinjaman peribadi koperasi Pinjaman Peribadi Koperasi Permodalan Usahawan Nasional Berhad KPUNB (Jika ada) dan bank untuk kemudahan anda. Berhubung dengan kami untuk mendapatkan maklumat-maklumat seperti pakej promosi terkini, kadar keuntungan terkini dan jumlah maksimum pembiayaan. Perkhidmatan yang ditawarkan adalah:
Pinjaman peribadi baru: Kiraan had kelayakan pinjaman berdasarkan kepada kekuatan slipgaji anda iaitu gaji pokok, elaun tetap dan jumlah potongan dalam slipgaji dan potongan 60%, 50% atau 40% dari jumlah pendapatan. Anda boleh membuka akaun pertama kali dengan bank atau koperasi, akaun kedua, akaun ketiga dan seterusnya.
Pinjaman peribadi overlap: Dikenali sebagai pinjaman bertindih di mana anda menggunakan akaun pembiayaan sediada dan memohon untuk mendapat tunai ditangan secara in-house overlap atau ambil penyata penyelesaian awal dan overlap di bank/ koperasi lain. Anda mungkin menambah/ tidak menambah bayaran ansuran bulanan atau jumlah pembiayaan asal.
Anda juga boleh memohon pinjaman peribadi Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), pembiayaan Bank Rakyat, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank dan lain-lain.
Bagaimana Cara Mohon Pinjaman Peribadi Pinjaman Peribadi Koperasi Permodalan Usahawan Nasional Berhad KPUNB dan Koperasi Lain?
Mohon pinjaman peribadi LOREM atau koperasi lain juga pembiayaan peribadi bank dengan mudah. Anda hanya perlu menghantar slipgaji terkini ke talian hotline pinjaman peribadi 019-2983056 sekarang! Klik butang nombor telefon di atas untuk maklumat lanjut.
Customer Reviews about Koperasi Permodalan Usahawan KPUNB Loan
Pinjaman Peribadi Koperasi Permodalan Usahawan Nasional Berhad – KPUNB adalah personal loan popular dengan pembiayaan RM200,000 blacklist lulus. Mohon sekarang
Pinjaman Peribadi Koperasi Kuasa – KoKuasa melalui potongan Biro Angkasa. Komitmen tinggi layak apply. Ccris/ Ctos/ AKPK layak. Call/ SMS/ WhatsApp 0192983056
Koperasi Kuasa KoKuasa Summary
Koperasi Name: Koperasi Kuasa
Abbreviation / Code Name: KOKUASA
Koperasi Promotion Name: General info about personal loan in Malaysia’s cooperative
Pinjaman Peribadi Koperasi Kuasa Terbaik!
Jom cuba apply Pinjaman Peribadi Koperasi Kuasa ini. Potongan pembiayaan adalah melalui potongan biro angkasa (bpa). Mesti mendapat pengesahan majikan dan dokumen loan mestilah lengkap untuk diproses. Dokumen yang tidak lengkap tidak akan dilayan. Bagi pemohonan pinjaman peribadi Koperasi Kuasa – KoKuasa, jika ada rekod CCRIS, CTOS, AKPK layak memohon. Pemohon yang mempunyai high commitment seperti ada loan kereta, rumah, pinjaman peribadi yang dibayar diluar payslip juga layak untuk memohon pembiayaan koperasi.
Caranya mudah, untuk memohon Pinjaman Peribadi Koperasi Kuasa – KoKuasa Personal Loan anda hanya perlu whatsapp ke nombor telefon dalam laman web ini. Jika ada promosi Pinjaman Peribadi Koperasi Kuasa – KoKuasa Personal Loan, pihak kami akan terus memaklumkan kepada tuan/puan. Jika tidak, izinkan kami untuk menguruskan pembiayaan anda dengan koperasi/institusi kewangan lain.
Sekarang ini apabila masuk tahun 2020, ramai di antara penjawat awam mendapat kesukaran mendapatkan pembiayaan peribadi dari bank kerana kelayakan sudah tinggal sedikit. Maka anda tidak ada banyak pilihan lagi selain membuat pinjaman peribadi dengan koperasi.
Pemilihan koperasi untuk anda membuat loan juga penting kerana anda yang akan membayar installment tiap-tiap bulan. Jadi berfikir panjang dahulu sebelum membuat keputusan untuk memohon pembiayaan kerana anda yang akan menanggung hutang yang banyak bertahun-bertahun. Membuat loan bermakna anda akan mendapat duit yang banyak dalam sekelip mata tetapi cairan wang gaji anda setiap bulan akan berkurangan dan terus berkurangan.
Tambah Loan Bermakna Menambah Komitmen
Tidak ramai di antara kita yang tidak sedar dengan istilah di atas iaitu ‘tambah loan bermakna menambah komitmen’. Memang banyak promosi dari bank dan koperasi yang memang terlajak menarik. Yang paling penting adalah tepuk dada tanya iman anda. Persoalan seperti apa objektif anda untuk membuat loan, tempoh pembiayaan (loan tenure) panjang atau pendek dan adakah potongan bulanan akan meningkat selepas setahun atau selepas 3 tahun dari tarikh mula bayar.
Perkara ini harus anda fikir semasak-masaknya sebelum keputusan dibuat. Biasanya perasaan seronok itu hanyalah sementara mungkin untuk beberapa bulan atau beberapa tahun sahaja. Dan selepas itu anda akan mula merasa keperitan kerana komitmen anda bertambah. Contohnya jika dahulu, gaji bersih anda (gaji kasar tolak jumlah potongan) adalah Rm1800 pada sesetengah orang (berjawatan sederhana) merasakan bahawa duit gaji bersih mencukupi untuk mengharungi hidup selama sebulan sebelum dapat gaji pada bulan berikutnya.
Tetapi jika anda membuat loan dan bayaran installement bulanan katakanlah Rm250 selama 10 tahun, maka sebenarnya anda telah mengurangkan perbelanjaan dan cairan wang anda dari Rm1,800 menjadi Rm1,550. Ini membahayakan diri anda kerana anda akan terkurang Rm250 sehinggalah pinjaman yang dibuat sudah dibayar sepenuhnya.
Walaupun ramai di antara kita berpendapat bahawa ‘oh takpe, kami akan dapat kenaikan gaji tiap-tiap tahun…jadi tahun depan boleh buat loan lagi’ adalah sangkaan yang meleset kerana anda tidak tahu apa yang bakal berlaku kepada diri anda dan keluarga anda pada masa hadapan. Mungkin tidak sampai setahun anda memerlukan duit kecemasan dan pada masa itu langkah terakhir adalah dengan membuat pinjaman.
Sebenarnya tidak ada salahnya dengan meminjam asalkan anda tahu apa yang anda lakukan itu memberi kebaikan kepada anda dalam jangkamasa pendek, sederhana dan masa panjang. Dalam terma kewangan, loan jangkamasa pendek dibayar dalam masa 1-2 tahun, jangkamasa sederhana di antara 3-5 tahun dan masa panjang antara 10 ke 20 tahun. Contoh pinjaman jangkamasa pendek seperti pinjaman kecemasan, pinjaman belanja persekolahan tahun dll.
Contoh pembiayaan jangka sederhana adalah pembiayaan yang tidak memerlukan anda memanjangkan tempoh max sehingga 10 tahun atau 20 tahun kerana anda yakin masalah anda dapat diselesaikan dalam masa 3-5 tahun. Manakala contoh pinjaman long term adalah seperti pembiayaan perumahan dan membeli aset tetap yang tidak mungkin anda akan dapat membayar installement bulanan jika anda menukarkan kepada pinjaman jangkamasa sederhana atau pendek. Memang mustahil!
Berminat untuk memohon pinjaman peribadi Koperasi Kuasa? Sila berhubung dengan nombor talian hotline kami untuk urusan lebih lanjut.
Pinjaman Peribadi Koperasi Konsumer Malaysia Berhad KKMB
Pinjaman Peribadi Koperasi Konsumer Malaysia Berhad – KKMB terbaik kerana jika ada rekod Intransit pun boleh lulus. Call/ SMS/ Whatsapp 0192983056
Koperasi Konsumer Malaysia Berhad KKMB Summary
Koperasi Name: Koperasi Konsumer Malaysia Berhad
Abbreviation / Code Name: KKMB
Koperasi Promotion Name: General info about personal financing with Koperasi in Malaysia
About Koperasi Konsumer Malaysia Berhad KKMB
Rasional logo Koperasi Konsumer Malaysia Berhad KKMB. Logo ini adalah diilhamkan daripada rimbunan pokok banyan yang tegap lagi menarik. Cabang tujuh helai daunnya mewakili 7 prinsip koperasi. Secara simbolik, tunas-tunas daun ini menggambarkan pertumbuhan dan kepelbagaian kegiatan KKMB yang bermula dari tunas utamanya. Tunas ini juga memaparkan gabungan serta gerakan utama KKMB menuju ke arah dimensi baru.
Aturan Skim/ Perkhidmatan
Aturan Skim pinjaman persendirian atau pembiayaan Islam Koperasi Konsumer Malaysia Berhad.
Pinjaman Peribadi Koperasi Konsumer Malaysia Berhad KKMB
Koperasi Konsumer Malaysia Berhad (KKMB) adalah sebuah koperasi yang menawarkan pembiayaan dengan kadar interest yang menarik. Terbuka kepada kakitangan kerajaan berjawatan tetap dan polis sahaja.
Loan Julai 2017: Pinjaman Peribadi Koperasi Konsumer Malaysia (KKMB). Intransit MBSB boleh lepas: Betul ke boleh lepas ini? Ya jika intransit MBSB anda akan dipotong selepas 6 bulan dari tarikh buat loan. Anda akan dapat full loan tanpa perlu tolak mbsb intransit dalam booking angkasa. Koperasi yang lain seperti Kobeta dan YIR dan YYP akan tolak walaupun intransit akan potong lama lagi selepas 6 bulan. Walaubagaimapun, loan public islamic bank (pb) tidak akan tolak amount intransit mbsb tetapi kalau kurang dari 6 bulan akan ditolak.
Buletin Loan Februari 2016: Koperasi Konsumer Malaysia (KKMB)
23 Februari 2016: Proses Cepat:Mulakan langkah tahun 2016 ini dengan pembiayaan peribadi terbaik dari KKMB. Kriteria pembiayaan seperti dibawah:
Tiada yuran dikenakan sepanjang tempoh pembiayaan peribadi
Koperasi Konsumer Malaysia Berhad mengenakan kadar interest 8% bagi pemohon di semenanjung dan 8.5% untuk Sabah dan Sarawak.
Payout nett 70%.
Mesti mempunyai buku Bank Rakyat untuk tujuan bank-in duit masuk ke dalam akaun pemohon.
Kena buka akaun jika tiada. Opsyen bersara sehingga 57 tahun. CTOS tidak boleh lebih 25k. Pengesahan borang BPA (angkasa).
Pembiayaan Peribadi Koop Konsumer 5.99%
Berikut syarat-syarat dan kelayakan bagi memohon pinjaman peribadi Koperasi Konsumer.
Syarat-syarat Pinjaman
Pinjaman maximum sehingga RM150,000. Proses kelulusan 4-5 minggu bergantung kepada bhg processing. Tempoh bayaran balik sehingga 10 tahun (tiada 20 tahun lagi).
Blacklist layak selagi hutang tidak melebihi RM30,000 (perlu mohon penyata baki terkini sekiranya dalam rekod CTOS tidak dinyatakan jumlah amaun. Kadar keuntungan adalah untuk 10 tahun dari 5.99% setahun. Gaji minima RM1,500 dan berkhidmat 6 bulan ke atas layak.
Status Kerja mestilah berjawatan tetap. Kontrak, jawatan sementara, kontrak berterusan sehingga pencen, bayaran gaji melalui baucer bayaran tidak layak sama sekali memohon.
Untuk kakitangan kerajaan persekutuan sahaja (AG). state government, pihak berkuasa kerajaan tempatan (PBT), universiti dan lain-lain tidak layak.
Customer Reviews about Koperasi Konsumer Malaysia Berhad KKMB
Pinjaman Peribadi Koperasi Konsumer Malaysia Berhad KKMB dianggap terbaik kerana jika ada rekod Intransit pun boleh lulus. Call/ SMS/ WhatsApp 0192983056
Pinjaman Peribadi Kementerian Dalam Negeri KDN Staff Loan
Pinjaman Peribadi Kementerian Dalam Negeri KDN Staff Loan. Apply personal loan Yayasan Ihsan Rakyat YIR, RCE, Bank Rakyat etc. Call/ Whatsapp 0192983056
Pinjaman Peribadi Kementerian Dalam Negeri KDN Staff Loan Summary
Name: –
Abbreviation / Code Name: –
Promotion Name: Pinjaman Peribadi Kementerian Dalam Negeri KDN Staff Loan
About Pinjaman Peribadi Kementerian Dalam Negeri KDN Staff Loan
Jom apply personal loan terbaik dikenali Pinjaman Peribadi Kementerian Dalam Negeri KDN Staff Loan. Pelbagai pakej pembiayaan yang disediakan dari kami untuk anda pilih. Pilih dari Yayasan Ihsan Rakyat YIR, RCE Yayasan Perlis, Bank Rakyat, Public Bank MCCM, Coshare dan i-Destinasi Sdn Bhd dan banyak lagi koperasi. Kepada yang ada masalah senaraihitam pihak bank, ccris ataupun ctos tiada masalah untuk anda mencuba pembiayaan koperasi.
Had maksima kelayakan adalah 60% dari jumlah pendapatan. Proses borang secepat 3 hari dan kadar interest adalah kompetitif dan patuh syariah. Potongan pembiayaan melalui kod potongan biro angkasa bagi koperasi dan bank kecuali Yayasan Ihsan Rakyat yang mempunyai kod potongan yang tersendiri. Dan perkara yang paling mustahak adalah mestilah mendapatkan kebenaran majikan Kementerian Dalam Negeri KDN sebelum semua urusan dilakukan. Tidak mendapat pengesahan majikan dari Kementerian Dalam Negeri KDN bererti anda tidak layak memohon walaupun anda masih mempunyai peratusan baki gaji yang banyak untuk mendapatkan pembiayaan dari bank dan koperasi.
Untuk semakan kelayakan pinjaman peribadi personal loan Kobena, sila Call/ SMS/ WhatsApp payslip e penyata gaji terkini ke 0192983056.
About Kementerian Dalam Negeri
Kementerian Dalam Negeri Malaysia merupakan salah satu kementerian yang menitik beratkan kepentingan dalam negeri. Kementerian ini telah lama ditubuhkan dan masih beroperasi hingga kini. Menteri terkini adalah Ahmad Zahid Hamidi. Ibupejabat terletak di Pusat Pentadbiran Kerajaan Persekutuan di Putrajaya Parcel D.
Pinjaman peribadi kakitangan Kementerian Dalam Negeri (KDN)
Semua kakitangan yang bekerja dibawah KDN seperti agensi-agensi yang terlibat di bawah kementerian ini termasuklah Polis Diraja Malaysia, Jabatan Penjara Malaysia, Lembaga Penapisan Filem Malaysia, Ikatan Relawan Rakyat Malaysia, Jabatan Pendaftaran Negara dan sebagainya adalah layak untuk memohon pinjaman peribadi dengan pihak kami. Loan baru, overlap, penstrukturan semula loan dan membuka akaun kedua loan dibenarkan.
Mohon Pinjaman Peribadi Bank dan Koperasi
Kami menyediakan perkhidmatan pinjaman peribadi koperasi (Jika ada) dan bank untuk kemudahan anda. Berhubung dengan kami untuk mendapatkan maklumat-maklumat seperti pakej promosi terkini, kadar keuntungan terkini dan jumlah maksimum pembiayaan. Perkhidmatan yang ditawarkan adalah:
Pinjaman peribadi baru: Kiraan had kelayakan pinjaman berdasarkan kepada kekuatan slipgaji anda iaitu gaji pokok, elaun tetap dan jumlah potongan dalam slipgaji dan potongan 60%, 50% atau 40% dari jumlah pendapatan. Anda boleh membuka akaun pertama kali dengan bank atau koperasi, akaun kedua, akaun ketiga dan seterusnya.
Pinjaman peribadi overlap: Dikenali sebagai pinjaman bertindih di mana anda menggunakan akaun pembiayaan sediada dan memohon untuk mendapat tunai ditangan secara in-house overlap atau ambil penyata penyelesaian awal dan overlap di bank/ koperasi lain. Anda mungkin menambah/ tidak menambah bayaran ansuran bulanan atau jumlah pembiayaan asal.
Anda juga boleh memohon pinjaman peribadi Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), pembiayaan Bank Rakyat, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank dan lain-lain.
Bagaimana Cara Mohon Pinjaman Peribadi Bank dan Koperasi Lain?
Mohon pinjaman peribadi bank atau koperasi lain juga pembiayaan peribadi bank dengan mudah. Anda hanya perlu menghantar slipgaji terkini ke talian hotline pinjaman peribadi 019-2983056 sekarang! Klik butang nombor telefon di atas untuk maklumat lanjut.
Personal Loan for Ministry of Youth and Sports KBS
Personal loan for Ministry of Youth and Sports staff, Kementerian Belia dan Sukan KBS. Call/ SMS/ Whatsapp 0192983056.
Personal Loan for Ministry of Youth and Sports KBS Summary
Name: –
Abbreviation / Code Name: –
Promotion Name: General info about personal financing from bank and cooperative in Malaysia
Sejarah Penubuhan KBS Serba Sedikit
Sejarah penubuhan Kementerian Belia dan Sukan (KBS) bermula pada tahun 1953 dengan tertubuhnya Bahagian Kebudayaan di bawah Jabatan Kebajikan Masyarakat yang telah diberi tanggungjawab mengenai belia. Seterusnya pada tahu 1964 Bahagian Kebudayaan ini telah dipindahkan di bawah Kementerian Penerangan.
Dalam masa yang sama berikutan kegiatan belia secara berpesatuan yang semakin berkembang, maka bagi tujuan memupuk serta memenatu perkembangan tersebut, Bahagian Belia telah ditubuhkan di bawah kementerian berkenaan. selain itu di bawah kementerian Penerangan ini juga telah ditubuhkan Bahagian Sukan.
Kementerian Belia dan Sukan 1964 iaitu bersempena Hari Belia Negara pada tahun tersebut. Pada tahun 1972, Bahagian Kebudayaan telah diwujudkan dan dengan itu nama Kementerian Belia dan Sukan ini telah diubah kepada Kementerian Kebudayaan, Belia dan Sukan sehingga tahun 1987 apabila Bahagian Kebudayaan telah dipindahkan dibawah Kementerian Kebudayaan, Kesenian dan Pelancongan. Dengan perpindahan Bahagian Kebudayaan tersebut, nama Kementerian Kebudayaan, Belia dan Sukan telah kembali kepada nama asalnya iaitu Kementerian Belia dan Sukan, sehingga sekarang.
Kementerian Belia dan Sukan (KBS) telah diamanatkan untuk melaksanakan dasar-dasar Kerajaan Malaysia khususnya dalam pembangunan Belia dan Sukan.
Pakej Pembiayaan Peribadi
Kami menawarkan pakej Personal Loan for Ministry of Youth and Sports KBS. Jawatan tetap atau kontrak dialu-alukan untuk memohon personal loan ini. Terdapat 25 buah koperasi dan 20 buah bank yang bersedia untuk anda mendapatkan pinjaman peribadi dengan kadar keuntungan yang istimewa dan patuh syariah. Sila berhubung dengan nombor whatsapp di bawah.
Mohon Pinjaman Peribadi Bank dan Koperasi
Kami menyediakan perkhidmatan pinjaman peribadi koperasi Bank dan Koperasi Terbaik (Jika ada) dan bank untuk kemudahan anda. Berhubung dengan kami untuk mendapatkan maklumat-maklumat seperti pakej promosi terkini, kadar keuntungan terkini dan jumlah maksimum pembiayaan. Perkhidmatan yang ditawarkan adalah:
Pinjaman peribadi baru: Kiraan had kelayakan pinjaman berdasarkan kepada kekuatan slipgaji anda iaitu gaji pokok, elaun tetap dan jumlah potongan dalam slipgaji dan potongan 60%, 50% atau 40% dari jumlah pendapatan. Anda boleh membuka akaun pertama kali dengan bank atau koperasi, akaun kedua, akaun ketiga dan seterusnya.
Pinjaman peribadi overlap: Dikenali sebagai pinjaman bertindih di mana anda menggunakan akaun pembiayaan sediada dan memohon untuk mendapat tunai ditangan secara in-house overlap atau ambil penyata penyelesaian awal dan overlap di bank/ koperasi lain. Anda mungkin menambah/ tidak menambah bayaran ansuran bulanan atau jumlah pembiayaan asal.
Anda juga boleh memohon pinjaman peribadi Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), pembiayaan Bank Rakyat, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank dan lain-lain.
Bagaimana Cara Mohon Pinjaman Peribadi Bank dan Koperasi Lain?
Mohon pinjaman peribadi Bank atau koperasi lain juga pembiayaan peribadi bank dengan mudah. Anda hanya perlu menghantar slipgaji terkini ke talian hotline pinjaman peribadi 019-2983056 sekarang! Klik butang nombor telefon di atas untuk maklumat lanjut.
Personal Loan for Ministry of Youth and Sports KBS Reviews
Customer Reviews about Personal Loan for Ministry of Youth and Sports KBS
Personal Financing Loan for Ministry of Youth and Sports staff / Pinjaman Peribadi kepada kakitangan Kementerian Belia dan Sukan KBS. Call/ SMS/ Whatsapp 0192983056.
Yayasan Ihsan Rakyat (YIR) – The Best Personal Loan for Public Sector Employees!
Yayasan Ihsan Rakyat (YIR) offers the best personal loan for public sector employees, including those with CCRIS or CTOS blacklists. Get accurate and reliable information on how to apply. Start your application today!
Yayasan Ihsan Rakyat (YIR) Personal Loan: A Financial Solution for Government Employees and PDRM
Yayasan Ihsan Rakyat (YIR) offers personal loans exclusively for federal government employees (Akauntan Negara) and members of the Royal Malaysia Police (PDRM). These loans are processed through payroll deductions and will appear on your payslip with the notation “Yayasan Ihsan Rakyat YIR.” With a fast approval process, your loan can be disbursed in the next payroll cycle.
Who is Eligible to Apply for YIR Personal Loans?
YIR Personal Loans are open to:
Federal government employees (Akauntan Negara, AG)
Members of the Royal Malaysia Police (PDRM)
Eligibility Criteria:
Age: 26 years and above.
Employment Status: Must be a permanent employee (not contract-based).
Minimum Salary: RM2,000 per month. If your salary is less than RM2,000, we recommend applying for a Petronesa loan instead, or your interest rate will increase to 7.88%.
Work Experience: Must have been employed for at least 1 year.
Payslip Deduction: Your payslip must be deducted through the PGM system (employer salary deduction) and not through Biro Angkasa.
Ineligible Applicants:
Employees from state government, universities, district councils, and municipal GLCs are not eligible, as their salary deductions do not comply with the YIR system.
YIR Personal Loan Interest Rates
YIR offers two interest rates based on the applicant’s financial situation.
6.88% Annual Interest Rate
Interest Rate: 6.88% per annum.
Loan Amount: Up to RM150,000.
Payout: 80% of the approved loan amount, minus 1 month’s advance payment.
Approval Time: 5 to 10 working days.
Minimum Salary: RM2,000. For applicants earning less than RM2,000, the interest rate will be 7.88%.
CTOS Commitment: Applicants with CTOS records under RM15,000 are eligible. If the CTOS record exceeds RM15,000, the interest rate will increase to 10% per annum.
7.88% Annual Interest Rate
This interest rate applies to:
Applicants earning less than RM2,000 per month.
Minimum Net Salary after loan repayment must be at least RM900.
Payout: 80%, minus 2 months’ advance payment.
CTOS Commitment: If the CTOS record exceeds RM15,000, the application will be rejected.
Loan Term: All approved loans have a 10-year repayment period, as mandated by Bank Negara Malaysia.
Advantages of Yayasan Ihsan Rakyat Personal Loan
Competitive Interest Rates: Starting from 6.88%, YIR offers lower rates than many other personal loan providers.
Quick Approval: The loan approval process takes 5 to 10 working days, ensuring fast access to funds.
No Guarantor Required: No need to find a guarantor, making the loan process simpler.
Payroll Deduction for Easy Repayment: Loan repayments are deducted directly from your payroll, making it hassle-free.
Exclusive to Government Employees & PDRM: The loan is exclusively available to federal government employees and PDRM members, giving them a tailored financial solution.
How to Apply for Yayasan Ihsan Rakyat Personal Loan
Step 1: Check Your Eligibility
Ensure you meet the eligibility requirements, including being a permanent government employee with the necessary salary and work history.
Step 2: Submit Your Application
Prepare the required documents, including your latest payslip and relevant personal details. Make sure your payslip complies with the PGM deduction system.
Step 3: Loan Approval Process
Once your application is submitted, the approval process will take 5 to 10 working days. YIR will contact you to confirm your loan details and provide further information.
Step 4: Receive Your Loan
Once approved, the loan amount will be disbursed directly into your bank account, and repayments will be deducted from your payroll every month.
Contact Yayasan Ihsan Rakyat for More Information
For more information or to start your application, please contact Yayasan Ihsan Rakyat at:
Phone: 03 – 4047 0888
Fax: 03 – 4047 0856
Email: pertanyaan@yir.com.my
Our address:
Yayasan Ihsan Rakyat Lot 33.01-02, Tingkat 33 Sunway Putra Tower, 100, Jalan Putra 50350 Kuala Lumpur
Why Choose Yayasan Ihsan Rakyat (YIR)?
Yayasan Ihsan Rakyat (YIR) offers an excellent personal loan option for federal government employees and PDRM members. With competitive interest rates, quick approval, and the convenience of payroll deduction, YIR provides a financial solution tailored to the needs of civil servants and police officers. If you meet the eligibility criteria, apply for a YIR personal loan today and enjoy a trusted and hassle-free financing option!
For more information or to begin your application process, feel free to reach out to Yayasan Ihsan Rakyat:
Phone: 03 – 4047 0888
Fax: 03 – 4047 0856
Email: pertanyaan@yir.com.my
Visit us at:
Yayasan Ihsan Rakyat Lot 33.01-02, Tingkat 33 Sunway Putra Tower, 100, Jalan Putra, 50350 Kuala Lumpur
Yayasan Ihsan Rakyat (YIR): Summary
Article Title: Yayasan Ihsan Rakyat (YIR)
Category: #YIR #PersonalLoan
Purpose: #Promotion
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Pinjaman Peribadi IDSB Ikhtiar Destinasi Sdn Bhd adalah Personal Loan paling popular penjawat awam di Malaysia. Interest rendah. Call/ SMS/ Whatsapp 0192983056
Pinjaman Peribadi IDSB Ikhtiar Destinasi Summary
Name: Ikhtiar Destinasi Sdn Bhd
Abbreviation / Code Name: IDSB, i-Destinasi
Promotion Name: General info about personal loan for government sector
Bagi penjawat awam, mereka pasti mendapat kadar keuntungan lebih rendah berbanding pekerja swasta. IDSB ataupun Ikhtiar Destinasi, Coshare, Yayasan Ihsan Rakyat YIR merupakan pinjaman peribadi yang sangat dipercayai disamping Bank Rakyat, BSN dan Agrobank.
About Pinjaman Peribadi IDSB Ikhtiar Destinasi Sdn Bhd Personal Loan
Pinjaman Peribadi IDSB Ikhtiar Destinasi Sdn Bhd Personal Loan– Payout 100%. Ya institusi kewangan ini diberikan banyak nama iaitu ikhtiar destinasi Sdn. Bhd, dan juga i-destinasi. Asalnya Pinjaman Peribadi IDSB Ikhtiar Destinasi Sdn Bhd Personal Loan adalah popular sekitar tahun 2009 dimana kemunculannya menjadi peneraju kepada koperasi-koperasi lain di seluruh Malaysia untuk mengikuti jejak langkahnya. Antara yang menjadi taruhan utama dan menjadi ikutan bagi koperasi-koperasi lain adalah kadar payout nya yang paling tinggi di pasaran iaitu 100% payout kepada penjual.
Walaupun pada ketika itu banyak koperasi yang menawarkan pinjaman peribadi dan ada tolakan seperti payout 95% ke 97%, bayaran yuran ahli Rm30 yang dibayar terus untuk 3 tahun berturut-turut dan potongan insurans takaful, duti setem (stamping fees), fee dokumentasi dll, tetapi Pinjaman Peribadi IDSB Ikhtiar Destinasi Sdn Bhd Personal Loan tetap dengan promosinya yang istimewa. Promosi tersebut adalah payout 100% yakni peminjam dapat penuh dari jumlah loan yang dipohon.
Ini menyaksikan pembiayaan i-destinasi ini menjadi pioneer dan tersangat popular apabila produk pembiayaannya sangat laku seperti ‘goreng pisang panas’ dan ‘kek yang masih panas dibakar owen lalu dipotong mengikut slices’. Produk pinjaman yang lain tidak banyak yang boleh ‘jalan’ kerana faktor 100% Payout menarik minat penjawat awam untuk memohon. Pada masa itu, borang permohonan yang original berwarna harus dibeli dengan harga Rm2 senaskah dan setiap agen yang menguruskan loan i-destinasi akan ada sekurang-kurangnya 20 set naskah borang loan. Walaupun menggunakan 2 set borang angkasa bagi tujuan pengesahan maklumat potongan (penzahiran maklumat), tetapi tidak ada sedikit rungutan pun dari pemohon.
Majikan pada masa itu juga bersikap agak linien (lenient) dengan pinjaman kewangan dari i-destinasi ini kerana sangat-sangat menguntungkan pemohon. Berdasarkan pengalaman peribadi, ramai pemohon yang membuat permohonan loan i-destinasi dengan kadar maksimum amount kerana tidak perlu memikirkan mengenai jumlah bersih akhir yang akan dapat di tangan pemohon. Ini kerana semuanya dapat bersih 100 peratus!
Bayangkan sekiranya pemohon yang terdiri dari penjawat awam membuat Pinjaman Peribadi IDSB adalah Personal Loan paling popular penjawat awam di Malaysia. Interest rendah. Call/ SMS/ Whatsapp 0192983056i dengan amaun loan max iaitu Rm200,000, maka peminjam akan dapat Rm200,000 juga tanpa ditolak sesen pun. Ini kerana semua kos seperti yang dimaklumkan di atas ditanggung sepenuhnya oleh pihak Ikhtiar Destinasi dan juga bank yang mengeluarkan dana pembiayaan.
Maka tidak hairanlah ramai para agen atau wakil jualan (sales representative executive) yang sanggup outstation ke sana ke mari semata-mata untuk ‘lock’ customer yang membuat pinjaman dengan amaun yang sangat banyak. Contohnya jika seseorang agen itu menjalankan operasinya di Kuala Lumpur, agen tersebut sanggup untuk ke Negeri Sembilan mahupun di Melaka semata-mata ingin close sales Rm200k! Sungguh berdedikasi sekali warga perunding kewangan koperasi pada masa itu. Inilah Pinjaman Peribadi IDSB Ikhtiar Destinasi!
Jika agen atau wakil jualan terlalu sibuk menguruskan pelanggan di kawasan lembah Klang, terdapat juga sesetengah customer yang sanggup datang dari Negeri Pahang seperti dari Kuantan, Bentong, Temerloh untuk memohon pembiayaan i-destinasi supaya masa proses penghantaran borang dapat dijimatkan.
Jika ada antara customer yang tidak tahu jalan untuk ke Kuala Lumpur, agen atau wakil perunding kewangan akan membuat temujanji di tempat yang paling mudah bagi pelanggan di sekitar Negeri Pahang untuk datang iaitu di Zoo Negara. Ini kerana lokasi zoo negara yang terletak di kawasan Hulu Kelang dan pelanggan dari Pahang akan exit tol Gombak dan memandu terus ke Zoo Negara melalui jalan MRR2.
Begitu meriah sekali perjalanan seorang agen atau wakil perunding kewangan yang menguruskan loan i-destinasi. Panggilan dan sms datang bertalu-talu sehingga bateri handphone pun mudah ‘kong’. Rehat pun tidak cukup kerana bekerja 24 jam sehari. Semuanya kerana 100% payout!
Begitu banyak sekali pintu rezeki yang kami dapat perolehi hasil dari mempromosikan Pinjaman Peribadi IDSB Ikhtiar Destinasi Sdn Bhd. Dan yang paling mengasyikan i-destinasi ini adalah peminjan yang telah dapat duit loan pula akan mencadangkan kepada isteri atau pasangan masing-masing yang bekerja di sektor awam untuk membuat pinjaman peribadi. Memang mencurah-curah rezeki dengan hanya membuat Pinjaman Peribadi IDSB pada masa itu.
Ucapan setinggi-tinggi terima kasih diucapkan kepada penjawat awam kerana percaya dengan kami sebagai agen/ wakil jualan koperasi dan IDSB Ikhtiar Destinasi walaupun kebanyakan dari mereka bekerja dari rumah dan tidak mempunyai pejabat fizikal.
Pinjaman Peribadi i-destinasi~RHB Bank
Promosi Pinjaman Peribadi IDSB Ikhtiar Destinasi Sdn Bhd Personal Loan ini adalah yang terakhir kerana terdapat banyak kekangan dana dan peraturan yang ditetapkan oleh Bank Negara. Untuk mendapatkan loan ini, pemohon harus ke cawangan RHB Bank yang berdekatan dan membuat permohonan di sana.
Personal Loan MTQ IDSB 3.99%
Product terbaharu dikenali sebagai MTQ IDSB. Kriteria pembiayaan seperti berikut:
Jumlah loan Rm3,000-Rm200,000 dan jumlah pembiayaan dalam gandaan Rm1,000.
Kadar keuntungan 3.99%.
IDSB MTQ payout 90% dan 93% dan KFH payout 96.5%.
Loan tenure dipendekkan kepada 10 tahun maksima.
Tidak boleh buka second account loan. Ini bemakna perlu overlap jika pernah membuat pinjaman dengan i-destinasi sebelum ini.
Potongan melalui Biro Angkasa.
NOTA: Anggota tentera, pegawal keselamatan, pemandu peribadi (bekerja untuk individu), polis bantuan, staf status IMG dan semua jawatan yang bermula dengan ‘tukang’ atau ‘pekerja’ seperti pekeja am rendah, pekerja awam dll tidak layak memohon pembiayaan i-Destinasi.
Pembiayaan peribadi IDSB ini yang sangat popular kerana menawarkan Islamic personal financing kepada penjawat awam. Mempunyai kod potongan tersendiri tetapi masih melalui skim potongan gaji majikan (PGM). Pinjaman yang dikenang sepanjang zaman kerana peminjam dapat bersih jumlah penuh dari jumlah yang dipinjam. Semua proses pinjaman peribadi IDSB mengikut prinsip syariah antarabangsa (Islamic Financing Loan). Urusan jual-beli akad akan dilakukan melalui panggilan telefon kepada pemohon.
Interest rate personal financing 3.99% flat rate.
Payout 100% (peminjam pembiayaan IDSB akan dapat penuh dari jumlah pembiayaan).
Tidak melalui potongan Biro Angkasa tetapi melalui potongan gaji majikan (PGM).
Perlu mendapatkan pengesahan dari Unit Gaji/ Bahagian Kewangan/ Guru Besar (majikan) bagi semua dokumen termasuk Surat Kebenaran Pemotongan Gaji yang berwarna biru. Surat kebenaran tersebut tidak boleh disalinfoto (fotostat).
Tempoh pembiayaan 20 tahun. Boleh overlap pinjaman lama yang tinggi interest.
Customer Reviews about Pinjaman Peribadi IDSB Ikhtiar Destinasi
Pinjaman Peribadi IDSB Ikhtiar Destinasi Sdn Bhd adalah Personal Loan paling popular penjawat awam di Malaysia. Interest rendah. Call/ SMS/ Whatsapp 0192983056
I Destinasi Sdn. Bhd. 4 & 6 Pekeliling Business Centre, Persiaran 65C, Jalan Pahang Barat, Pekeliling, 53000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
Kakitangan HUSM layak untuk memohon pinjaman peribadi bank dan koperasi. Max financing 200k, shariah compliant. Call/ SMS/ WhatsApp 0192983056 untuk mendapatkan promosi terbaik dan terhebat!
Personal Loan HUSM Staff Pinjaman Summary
Koperasi Name: –
Abbreviation / Code Name: –
Koperasi Promotion Name: General Info about how HUSM staff can apply a personal loan with easy and peace of mind
About Unit Pengurusan Pinjaman USM
Unit Pengurusan Pinjaman USM adalah unit yang menguruskan hal ehwal kemudahan Pinjaman Kenderaan dan Pinjaman Komputer & Telefon Pintar (Smartphones). Unit pengurusan pinjaman juga membantu menyelaraskan urusan permohonan Pinjaman Perumahan Perumahan Lembaga Pembiayaan Perumahan Sektor Awam (LPPSA).
Fungsi Pinjaman
Memproses permohonan, kelulusan dan pembayaran Pinjaman Kenderaan dan Pinjaman Komputer & Telefon Pintar (Smartphones).
Personal Loan HUSM Staff
Ya, kakitangan di Hospital USM layak membuat permohonan pinjaman peribadi dengan pihak kami. Kami menawarkan personal loan HUSM Staff berdasarkan Islamic financing prinsip bai al-inah dengan adanya proses akad jual beli melalui telefon.
Untuk melayakkan pemohon untuk memohon pinjaman peribadi ini, anda boleh hantar mesej kepada nombor telefon Whatsapp seperti yang tertera di bawah. Setelah persetujuan nilai pembiayaan diterima, anda bolehlah melengkap borang permohonan pembiayaan. Borang yang lengkap akan diproses oleh pihak koperasi. Pihak koperasi akan melakukan pengesahan majikan terlebih dahulu sebelum sesuatu permohonan loan diluluskan oleh koperasi.
Anda boleh memohon Personal Loan HUSM Staff bank dan koperasi yang terdapat dalam laman web kami dan tertakluk kepada promosi dan dana yang dikeluarkan oleh bank kepada koperasi. Terdapat banyak koperasi yang anda boleh memohon dengan kadar interest yang menarik dan tidak membebankan situasi kewangan anda. Sekiranya anda mempunyai masalah CCRIS atau CTOS dan ingin tahu secara lebih mendalam, anda boleh membaca artikel ini
Apakah itu CCRIS Bank Negara Malaysia BNM?
Apakah itu CTOS?
Mohon Pinjaman Peribadi Bank dan Koperasi Malaysia untuk Staf HUSM
Kami menyediakan perkhidmatan pinjaman peribadi koperasi (Jika ada) dan bank untuk kemudahan anda yang bekerja di HUSM. Berhubung dengan kami untuk mendapatkan maklumat-maklumat seperti pakej promosi terkini, kadar keuntungan terkini dan jumlah maksimum pembiayaan. Perkhidmatan yang ditawarkan adalah:
Pinjaman peribadi baru: Kiraan had kelayakan pinjaman berdasarkan kepada kekuatan slipgaji anda iaitu gaji pokok, elaun tetap dan jumlah potongan dalam slipgaji dan potongan 60%, 50% atau 40% dari jumlah pendapatan. Anda boleh membuka akaun pertama kali dengan bank atau koperasi, akaun kedua, akaun ketiga dan seterusnya.
Pinjaman peribadi overlap: Dikenali sebagai pinjaman bertindih di mana anda menggunakan akaun pembiayaan sediada dan memohon untuk mendapat tunai ditangan secara in-house overlap atau ambil penyata penyelesaian awal dan overlap di bank/ koperasi lain. Anda mungkin menambah/ tidak menambah bayaran ansuran bulanan atau jumlah pembiayaan asal.
Kakitangan Hospital HUSM juga boleh memohon pinjaman peribadi Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), pembiayaan Bank Rakyat, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank dan lain-lain.
Bagaimana Cara Mohon Pinjaman Peribadi Bank dan Koperasi Lain?
Mohon pinjaman peribadi bank atau koperasi lain juga pembiayaan peribadi bank dengan mudah. Anda semua yang bekerja di HUSM hanya perlu menghantar slipgaji terkini ke talian hotline pinjaman peribadi 019-2983056 sekarang! Klik butang nombor telefon di atas untuk maklumat lanjut.
Customer Reviews about Personal Loan HUSM Staff Pinjaman
Personal Loan HUSM Staff layak untuk memohon pinjaman peribadi bank dan koperasi. Max financing 200k, shariah compliant. Call/ SMS/ Whatsapp 0192983056
Why is the personal loan eligibility period is shortened from 20 years to 10 years? Exceeded 60%? How to apply? Talk to you soon. Just call, SMS or WhatsApp 0192983056.
Personal Loan Eligibility Period Summary
Name: Personal Loan Eligibility Period
Abbreviation / Code Name: –
Promotion Name: General info about what is the maximum years to repay
About Personal Loan Eligibility Period
Informasi yang perlu diketahui oleh semua pemohon di semua rangkaian pinjaman peribadi kami. Bermula pada 5 Julai 2013, Bank Negara Malaysia (BNM) telah menetapkan bahawa semua permohonan pinjaman peribadi akan dihadkan tempoh kelayakan kepada 10 tahun sahaja. Ini bermakna pinjaman peribadi yang dahulunya 20 tahun atau 25 tahun sudah tidak boleh dilakukan lagi berkuatkuasa serta merta.
Langkah ini dilaksanakan menurut seksyen 31(1)(a) Akta Bank Negara Malaysia 2009 dan terpakai pada semua institusi kewangan yang dikawal selia oleh BNM, serta koperasi kredit yang di bawah kawal selia Suruhanjaya Koperasi Malaysia, dan Malaysia Building Society Bhd. dan AEON Credit Service (M) Bhd. Dari segi amaun blacklist CCRIS dan CTOS buat masa ini tiada sebarang perubahan atau pindaan. Sekiranya ada, kami akan memaklumkan kepada pemohon samada melalui laman web ini juga ketika pemohon menelefon kami untuk menyemak kelayakan pinjaman anda.
Diharapkan agar penerangan mengenai perkara ini akan mendapat manfaat kepada semua pemohon terutama kakitangan kerajaan yang memohon pinjaman peribadi melalui melalui pihak kami. Kepada pemohon yang akan mendapat kenaikan gaji pada bulan 7 dan kenaikan tahunan tidak perlu bimbang kerana syarat dan kriteria permohonan pinjaman peribadi adalah sama kecuali tempoh pinjaman dihadkan kepada 10 tahun sahaja.
Overlap 20 Years Period
Begini, persoalan yang selalu ditimbulkan untuk Personal Loan Eligibility Period ini adalah adakan saya dapat overlap loan tempoh 20 tahun dengan pembiayaan baru tempoh pembiayaan 10 tahun? Bolehkan mana-mana koperasi memberikan kelulusan pembiayaan saya nanti?
Berdasarkan pengalaman yang lepas-lepas, untuk overlap loan 20 tahun ke 10 tahun berdasarkan Personal Loan Eligibility Period yang diterangkan tadi, amatlah sukar untuk pemohon membuat pinjaman peribadi. Ini kerana mustahil jumlah pembiayaan yang panjang boleh dipendekkan. Melainkan jika anda telah membayar pinjaman peribadi anda lebih dari 60% dari Personal Loan Eligibility Period yang saya sebutkan.
Contohnya 20 tahun pembiayaan darab 60% jadinya anda telah membayar selama 12 tahun. Jadi anda tinggal 8 tahun lagi untuk habis bayar. Disarankan pada tahun ke 13 atau lebih anda sudah boleh menghubungi kami untuk membuat overlap. Mungkin anda tidak dapat banyak kerana dengan payout yang sekarang ini.
Apply Personal Loan Koperasi and Bank in Malaysia
We are also providing personal loan services such as Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), Bank Rakyat financing, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank and others for your convenience. Contact us for information such as the latest promotional packages, the latest profit rates and the maximum amount of financing. The services offered are:
Fresh personal loan: The loan eligibility limit is calculated based on the strength of your pay slip i.e., basic salary, fixed allowance and the total deduction in the pay slip. Deduction of 60%, 50% or 40% of the total income. You can open an account for the first time with a bank or cooperative, a second account, a third account and so on.
Overlap personal loan: Where you use an existing financing account and apply to get cash in hand instantly. Increasing the financing amount means you may or may not increase the monthly installment payment or the original financing amount. Just take the full settlement statement and overlap with other banks/ cooperatives of your choice.
How to Apply for a Personal Loan Bank and Koperasi in Malaysia?
To apply personal loan bank or any cooperative in Malaysia, simply send the latest salary slip to the personal loan hotline 019-2983056 now! Click the phone number button above for more info.
Customer Reviews about Personal Loan Eligibility Period
Personal Loan Eligibility Period. Why is the loan tenure shortened from 20 years to 10 years? Exceeded over 60%. Mohon pinjaman peribadi Call/ Whatsapp 0192983056
Pinjaman Peribadi khas untuk anggota Polis DiRaja Malaysia. Kelayakan 60% potongan Biro Angkasa dan Skim Potongan Gaji Majikan. Call/ Whatsapp 0192983056
Pinjaman Peribadi Polis DiRaja Malaysia (Anggota) Summary
Koperasi Name: Koperasi PDRM
Abbreviation / Code Name: KPD
Koperasi Promotion Name: General info about koperasi personal loans to Policeman
From Wikipedia: Police DiRaja Malaysia PDRM
The Royal Malaysia Police (Abbreviation: RMP; Malay: Polis Diraja Malaysia, PDRM) is a national police agency in Malaysia. The force is a centralized organization with responsibilities ranging from traffic control to intelligence gathering. Its headquarters is located at Bukit Aman, Kuala Lumpur. The police force is led by an Inspector-General of Police (IGP). The post is held by Tan Sri Khalid Abu Bakar. The constitution, control, employment, recruitment, fund, discipline, duties and powers of the police force is specified and governed by the Police Act 1967.
In carrying out its responsibilities, the regular RMP is also assisted by a support group of Extra Police Constables, Police Volunteer Reserves, Auxiliary Police, Police Cadets and a civilian service element. Rakan Cop is a community outreach programmed launched on 9 August 2005. The RMP constantly co-operates closely with police forces worldwide, which include those from the five neighboring countries Malaysia shares border with: Indonesian National Police, Philippine National Police, Royal Brunei Police Force, Royal Thai Police and Singapore Police Force.
About Pinjaman Peribadi untuk Kakitangan Polis DiRaja Malaysia (Anggota)
Bagi anggota polis tidak kira kakitangan ibupejabat Bukit Aman, polis kontinjen, ibupejabat polis daerah dan sebagainya, anda boleh membuat permohonan pinjaman peribadi dengan semua bank dan koperasi yang terdapat di Malaysia kerana anggota polis dikategorikan sebagai kakitangan kerajaan penuh (sama seperti permohonan pinjaman kakitangan kerajaan AG cuma payslip berbeza dikeluarkan oleh PDRM manakala AG dikeluarkan oleh Kementerian Kewangan).
Buat masa ini kelayakan pinjaman peribadi yang dikira adalah 60% sahaja dari jumlah pendapatan tetap (gaji asas@kasar campur elaun tetap). Terdapat banyak elaun tetap yang boleh dikira seperti elaun PGA dan lain-lain elaun tetap. Sila refer pada halaman utama laman web ini sekiranya terdapat kelayakan melebihi 60% sama seperti yang pernah dilakukan oleh MBSB dengan pakej skim Waslah.
Anggota polis akan mendapat manfaat dari segi kadar interest, payout dan tempoh pemprosesan yang sama seperti kakitangan penjawat awam AG. Sekiranya ingin membuat loan tanpa melalui potongan biro angkasa tetapi masih dipotong dalam slipgaji, anda bolehlah memohon personal loan melalui Yayasan Ihsan Rakyat (YIR). Untuk memohon loan melalui potongan biro angkasa, anda boleh mendapatkan senarai koperasi yang layak membuat pinjaman peribadi untuk anggota polis.
Sila berhubung dengan pihak kami untuk mendapatkan maklumat terkini mengenai koperasi yang ada membuat pinjaman peribadi untuk anda. Pihak kami akan sedaya upaya mencari koperasi yang sesuai dan terbaik bagi membantu situasi kewangan semasa anda.
Pinjaman Peribadi Polis DiRaja Malaysia (Anggota) Reviews
Customer Reviews about Pinjaman Peribadi Polis DiRaja Malaysia (Anggota)
Pinjaman Peribadi khas untuk anggota polis. Kelayakan 60% potongan Biro Angkasa dan Skim Potongan Gaji Majikan. Untuk pinjaman peribadi dengan Yayasan Ihsan Rakyat YIR, Yayasan Perlis RCE, Koperasi Gemilang Siswazah, KEKAL serta koperasi atau bank lain, sila call/ SMS dan WhatsApp 0192983056.
The best Malaysia Federal Government personal loans? Apply Yayasan Ihsan Rakyat, RCE Yayasan Perlis, Public Bank, Bank Rakyat etc. Call/ Whatsapp 0192983056
Malaysia Government Personal Loans Summary
Name: Malaysia Government Personal Loans
Abbreviation / Code Name: –
Promotion Name: General Info about how to apply a personal loans for government staff
About Staff Malaysia Federal Government Personal Loans
Overview of Personal Loans for Federal Government of Malaysia
Malaysia Federal Government terdiri daripada Kakitangan Kerajaan Pusat (Federal Government) yang dikenali sebagai AG sememangnya mempunyai ruang yang sangat luas untuk membuat pinjaman peribadi (payslip jata negara). Semua bank dan koperasi yang terpilih memberikan perkhidmatan pembiayaan peribadi kepada kakitangan kerajaan pusat yang berjawatan tetap. Bagi yang berjawatan kontrak, ruang untuk mendapatkan pembiayaan adalah sangat tipis bergantung kepada promosi oleh segelintir koperasi.
Kakitangan kerajaan persekutuan (AG) sewaktu mula-mula bekerja mempunyai potongan Kumpulan Wang Simpanan Pekerja (KWSP) tetapi kebiasaannya selepas tempoh tiga (3) tahun akan menjadi taraf sebagai tetap dan berpencen. Ini bermakna sekiranya kelayakan dari jumlah pendapatan tetap setiap bulan sudah mencapai 60%, anda tidak perlu khuatir kerana sejurus selepas item KWSP sudah tidak ada dalam payslip anda bererti jumlah potongan anda akan kurang 60%. Jadi anda berpeluang untuk mendapatkan pinjaman peribadi dari bank dan koperasi.
Kebiasaannya unit gaji atau bahagian kewangan ataupun majikan menetapkan had kelayakan untuk membuat pinjaman dan komitmen lain yang boleh dimasukkan ke dalam payslip adalah 60% sahaja. Jadi jika jumlah potongan anda sudah betul-betul mencapai 60% sebagai had maksima, anda tidak boleh membuat pinjaman peribadi lagi. Walaupun kelayakan 60 peratus dikira menggunakan formula gaji kasar (gaji asas) dicampur elaun tetap, tetapi terdapat segelintir majikan yang tidak mengambil kira beberapa elaun tetap walaupun boleh dikira oleh koperasi.
Jadi ini merupakan kesukaran kepada anda kerana pihak majikan yang menandatangi dan mengesahkan borang loan mendapati anda tidak layak memohon pinjaman tetapi sebenarnya anda masih layak lagi membuat permohonan. Terdapat juga bank pada masa dahulu yang membenarkan jumlah pembiayaan dengan kelayakan 75% seperti MBSB Waslah, tetapi buat masa ini tiada promosi sebegini (akan dimaklumkan jika ada promosi sedemikian). Jom apply personal loans dengan kami sekarang!
Ya anda boleh overlap pinjaman sediada jika anda sudah mencapai 60% kelayakan anda kerana kebiasaannya fresh loan sudah tidak layak lagi. Anda harus mendapatkan surat penyata penyelesaian awal (full settlement letter) dari bank dan koperasi yang masih ada tempoh sahlakunya.
Anda boleh membuka akaun kedua pinjaman peribadi jika anda pernah membuat loan dengan koperasi yang sama sebelum ini. Sekiranya anda ingin membuat pembiayaan berulang kali, anda boleh membuka akaun kedua, ketiga, keempat dan seterusnya. Kami akan memaklumkan kepada anda apabila anda menyuruh kami mengira kelayakan had pembiayaan.
How to Apply a Personal Loans?
To Apply a Personal Loans, Call/SMS/WhatsApp: 019-2983056 (Send payslip terkini dan komunikasi secara terus dengan kemudahan direct link whatsapp seperti di atas dengan tidak perlu save nombor telefon 019-2983056.
Mohon Pinjaman Peribadi Bank dan Koperasi Malaysia
Kami menyediakan perkhidmatan pinjaman peribadi Bank dan Koperasi Malaysia (Jika ada) dan bank untuk kemudahan anda. Berhubung dengan kami untuk mendapatkan maklumat-maklumat seperti pakej promosi terkini, kadar keuntungan terkini dan jumlah maksimum pembiayaan. Perkhidmatan yang ditawarkan adalah:
Pinjaman peribadi baru: Kiraan had kelayakan pinjaman berdasarkan kepada kekuatan slipgaji anda iaitu gaji pokok, elaun tetap dan jumlah potongan dalam slipgaji dan potongan 60%, 50% atau 40% dari jumlah pendapatan. Anda boleh membuka akaun pertama kali dengan bank atau koperasi, akaun kedua, akaun ketiga dan seterusnya.
Pinjaman peribadi overlap: Dikenali sebagai pinjaman bertindih di mana anda menggunakan akaun pembiayaan sediada dan memohon untuk mendapat tunai ditangan secara in-house overlap atau ambil penyata penyelesaian awal dan overlap di bank/ koperasi lain. Anda mungkin menambah/ tidak menambah bayaran ansuran bulanan atau jumlah pembiayaan asal.
Anda juga boleh memohon pinjaman peribadi Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), pembiayaan Bank Rakyat, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank dan lain-lain.
Bagaimana Cara Mohon Pinjaman Peribadi Bank dan Koperasi Malaysia dan Koperasi Lain?
Mohon pinjaman peribadi Bank dan Koperasi Malaysia atau koperasi lain juga pembiayaan peribadi bank dengan mudah. Anda hanya perlu menghantar slipgaji terkini ke talian hotline pinjaman peribadi 019-2983056 sekarang! Klik butang nombor telefon di atas untuk maklumat lanjut.
What is the best Malaysia Federal Government personal loans for staff? Apply Yayasan Ihsan Rakyat, RCE Yayasan Perlis, Public Bank, Bank Rakyat etc. Call/ Whatsapp 0192983056
Dapatkan borang pinjaman peribadi Koperasi dan Bank di sini. Borang boleh didapati secara on-line dengan muat turun. Call/ WhatsApp 0192983056. Kami menyediakan semua jenis pembiayaan peribadi terbaik untuk anda.
Borang Pinjaman Peribadi Koperasi Bank Summary
Bank Koperasi Name: –
Abbreviation / Code Name: –
Bank Koperasi Promotion Name: General Info about application form
Pertama, buat semakan dengan menghantar slipgaji terkini, kami akan kira kelayakan dan yang terakhir borang loan akan dikirim kepada anda ke alamat rumah atau pejabat.
Bepengalaman selama lebih 15 tahun dalam hal-ehwal bank terutamanya koperasi di Malaysia, kami adalah perunding kewangan dan agen koperasi yang sangat dipercayai di seluruh Malaysia. Hubungi kami dengan Call/ SMS/ WhatsApp 0192983056 memohon sekarang!
About Borang Pinjaman Peribadi Download Online Loan Form
Pembiayaan bank dan coop. Pemohon-pemohon boleh memuaturun Borang Pinjaman Peribadi melalui halaman ini. Tidak semua borang boleh dimuatnaik melalui halaman ini. Sesetengah bank dan koperasi memerlukan Borang Pinjaman Peribadi yang original dan ada pula bank dan koperasi yang menerima borang online yang dicetak (bukan borang original).
Pihak kami mengharapkan sekiranya Borang Pinjaman Peribadi sudah di download melalui laman web ini setelah persetujuan dicapai, harapan yang sangat besar oleh kami supaya pihak tuan/puan dapat menghantar borang yang lengkap kepada kami dan tidak kepada agen lain/wakil jualan atau perunding kewangan yang lain. Jangan khuatir kerana semua urusan adalah telus, selamat dan tiada hanky panky (tiada unsur penipuan dan tiada unsur tipu daya).
New Personal Financing Application Form for Yayasan Ihsan Rakyat and Yayasan Perlis RCE
Bermula 1/12/18, hanya Borang Pinjaman Peribadi baru di ambil kira. Jika anda sudah menghantar borang lama, anda perlu sign kembali borang menggunakan borang permohonan baru seperti dibawah:-
SILA DOWNLOAD BORANG INI BAGI PERMOHONAN BERMULA 01-12-2018
SILA DOWNLOAD BORANG INI BAGI PERMOHONAN BERMULA 01-12-2018
BORANG VERSION LAMA JANGAN GUNA BORANG PINJAMAN PERIBADI LAMA!
Perhatikan kod pada setiap borang. Borang baru YIR dan YYP mestilah ada tertera kod 11A/18 di bahagian kanan bawah setiap borang. Selain dari itu tidak diterima
JANGAN DOWNLOAD YANG INI BORANG LAMA
Perlu sahkan 1 borang biro angkasa. JANGAN DOWNLOAD YANG INI BORANG LAMA
SANGAT-SANGANT PENTING! SILA AMBIL PERHATIAN UNTUK BORANG PERMOHONAN PERIBADI YIR DAN YYP
Untuk mengelakkan sebarang kelewatan, pihak kami memohon pemohon untuk memastikan perkara berikut di buat dan dipatuhi.
Ketika cetakan Borang Pinjaman Peribadi eform YIR dan YYP.
Sila gunakan ketebalan kertas 80gsm dan ke atas. Cetakan depan belakang (double sided printing).
Plain, kertas putih dan kertas A4 yang bersih.
Isi dan tandatangan borang permohonan menggunakan pen dakwat basah hitam (TIDAK boleh menggunakan ball pen).
Jangan tulis tarikh pada semua borang.
Dapatkan cop pengesahan majikan dari pegawai yang dilantik majikan pada muka surat terakhir borang Yayasan Ihsan. Nama borang tersebut adalah ‘Surat Kebenaran Potongan Gaji’ ataupun singkatannya borang YIR10.
Diharap para pemohon sekalian dapat memastikan kelicinan perjalanan Borang Pinjaman Peribadi yang diproses. Semua kiraan kelayakan loan adalah tepat dan benar belaka. Tiada kiraan yang lebih banyak dapat tunai dari agen lain kerana semua kiraan adalah sama. KIRAAN BERDASARKAN FORMULA KIRAAN LOAN DARI YAYASAN IHSAN RAKYAT (YIR). Pemohon yang sudah mendapat Borang Pinjaman Peribadi online boleh menghantar permohonan yang lengkap kepada kami. Kami tidak mengenakan sebarang CAJ UPFRONT atau CAJ DEPOSIT untuk 100% jaminan lulus.
Ketelusan dan kejujuran adalah misi kami. PEMOHON BOLEH REKOMENKAN KAWAN-KAWAN SUPAYA MEMOHON LOAN DENGAN KAMI untuk mendapatkan pendapatan sampingan. Diharap tuan/puan dapat membantu kami dengan menghantar borang kepada kami. Kami akan menterjemah jasa baik tuan/puan dengan perkhidmatan yang baik, cepat dan tangkas
Bagaimana tatacara mengisi Borang Pinjaman Peribadi on-line Loan Yayasan Ihsan Rakyat (YIR)? Ya. Anda boleh terus ke laman web yayasan ihsan rakyat untuk mengetahui cara mengisi borang, dokumen yang diperlukan dan alamat untuk submit borang loan. Semua maklumat diberikan untuk meminimakan kesilapan dan mengelakkan sebarang delay semasa borang diproses
Borang Pinjaman Peribadi Loan Public Bank
Dihantar menerusi courier atau secara appoinment, diharap pemohon dapat menyiapkan borang permohonan dan dapat menghantar borang yang lengkap kepada pihak kami. Buat masa ini borang tidak dapat dimuaturun kerana bank tidak membenarkan metod download borang. Kami juga tidak menghantar borang melalui e-mel di atas faktor yang sama. Sebaliknya kami akan courierkan loan application form Public Bank kepada alamat pejabat atau rumah anda.
Cara Mendapatkan Borang Pinjaman Peribadi
Kategori pemohon yang ingin mendapatkan borang permohonan pinjaman peribadi mengikut lokasi (LOAN SELAIN YIR DAN YYP). Terdapat 3 method untuk mendapatkan borang permohonan pinjaman peribadi koperasi mengikut lokasi seperti dibawah:-
Kuala Lumpur, Cheras, Bandar Sri Permaisuri, Ampang, Kg. Pandan, Pandan Jaya: Melalui appoinment, courier borang (menggunakan Pos Ekspress sampul keras), emel, download borang.
Putrajaya ,Shah Alam, Serdang, Bangi, Subang, Sg. Buloh: Dapatkan dengan courier borang (menggunakan Pos Ekspress sampul keras), e-mel dan download borang.
Sabah dan Sarawak: Courier borang (PosLaju Ekspres, ABX Express, Nationwide Express, Citylink Express Courier Services. Courier services lain boleh diminta mengikut keadaan lokasi dan kesukaran.
Sekiranya tinggal dipedalaman yang tidak mempunyai alamat rumah tetapi hanya ada alamat rumah penghulu atau ketua kampung terutama di kawasan sekitar Perlis, Sabah dan Sarawak, sila maklumkan courier service yang boleh cepat sampai. Sila maklumkan juga kepada ketua kampung supaya memaklumkan ada courier yang akan sampai dirumah beliau.
Jangan Buat Kami Macamni Selepas Diberi Borang Loan Koperasi dan Bank
Pemohon tidak dapat dihubungi selepas Borang Pinjaman Peribadi dihantar ke rumah/ pejabat anda. Pihak kami menerima banyak kes dimana pemohon pada awalnya bersetuju dengan segala terma dan syarat pembiayaan peribadi seperti jumlah maxima loan, payout bersih ditangan dan bayaran bulanan. Pemohon juga telah bersetuju dan mengesahkan akan membuat loan dengan pihak kami.
Tetapi setelah Borang Pinjaman Peribadi dihantar ke rumah atau premis pejabat, pemohon selepas itu seolah-olah tidak dapat dikesan, menukar nombor telefon bimbit serta tidak mahu menjawab panggilan telefon bertanyakan mengenai status borang. Ingin dimaklumkan bahawa kami hanya berurusan dengan pihak yang benar-benar ingin membuat pinjaman sahaja.
Berminat? Cara berkomunikasi
Call/SMS/Whatsapp: 019-2983056 (Berikan Nama, No.IC, Jabatan & Lokasi, no telefon pejabat, no handphone (sekiranya no berlainan dengan no whatsapp), Tetap/Kontrak, Gaji Pokok, Elaun Tetap dan Jumlah Potongan pada Slipgaji).
Mohon Pinjaman Peribadi Bank dan Koperasi
Kami menyediakan perkhidmatan pinjaman peribadi Bank dan Koperasi (Jika ada) dan bank untuk kemudahan anda. Berhubung dengan kami untuk mendapatkan maklumat-maklumat seperti pakej promosi terkini, kadar keuntungan terkini dan jumlah maksimum pembiayaan. Perkhidmatan yang ditawarkan adalah:
Pinjaman peribadi baru: Kiraan had kelayakan berdasarkan kepada kekuatan slipgaji anda iaitu gaji pokok, elaun tetap dan jumlah potongan dalam slipgaji dan potongan 60%, 50% atau 40% dari jumlah pendapatan. Anda boleh membuka akaun pertama kali dengan bank atau koperasi, akaun kedua, akaun ketiga dan seterusnya.
Pinjaman peribadi overlap: Dikenali sebagai pinjaman bertindih di mana anda menggunakan akaun pembiayaan sediada dan memohon untuk mendapat tunai ditangan secara in-house overlap atau ambil penyata penyelesaian awal dan overlap di bank/ koperasi lain. Anda mungkin menambah/ tidak menambah bayaran ansuran bulanan atau jumlah pembiayaan asal.
Anda juga boleh memohon pinjaman peribadi Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), pembiayaan Bank Rakyat, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank dan lain-lain.
Bagaimana Cara Mohon Pinjaman Peribadi Bank dan Koperasi-Koperasi Lain?
Mohon pinjaman peribadi Bank dan Koperasi atau koperasi lain juga pembiayaan peribadi bank dengan mudah. Anda hanya perlu menghantar slipgaji terkini ke talian hotline pinjaman peribadi 019-2983056 sekarang! Klik butang nombor telefon di atas untuk maklumat lanjut.
Interest rate terkini dan pernah dicatatkan suatu ketika dahulu adalah 3.99% setahun (flat rate) dan merupakan pusat pembiaya terkenal dikalangan penjawat awam di Malaysia.
Max loan amount yang boleh dipinjam adalah Rm200k. Ada kod potongan tersendiri. Harapan untuk overlap pinjaman sediada dan menstruktur semula pinjaman lama
About Coshare Personal Loan
Pinjaman Peribadi Coshare Kuwait Finance House adalah pembiayaan hebat masakini. Jangan lepaskan peluang untuk mendapatkan personal loan terhebat ini. Berhad. 100% payout dan tiada guarantor diperlukan! Pinjaman peribadi ini adalah atas usahasama dengan bank Kuwait Finance House (KFH) dan Ikhtiar Destinasi (IDSB) menawarkan personal loan dengan kadar interest terkini dan terendah dipasaran iaitu 3.99% setahun (flat rate) pada beberapa tahun yang lepas.
Kini dikenali sebagai CoshareEZ menawarkan personal financing loan dengan kadar yang kompetitif selaras dengan kehendak pasaran masakini. Semua produk personal loan koperasi adalah syariah compliant dan mengikut prinsip syariah antarabangsa. Terbuka kepada kakitangan kerajaan berjawatan tetap dan polis sahaja.
Coshare Personal Financing Products
Pinjaman Peribadi Coshare EZ interest rate 6.50%
Produk terbaru iaitu Pinjaman Peribadi Coshare EZ interest rate 6.50% menawarkan pembiayaan peribadi kadar keuntungan yang baru. Baru sahaja dilancarkan. Jadi kami tidak dapat memastikan adakah proses kelulusan cepat ataupun lambat.
Terms and Conditions
Kriteria pembiayaan seperti kadar interest rate 6.50% dan interestnya kadar rata (flat rate). Proses kelulusan: Loan approval dalam masa 5-7 hari bekerja sekiranya dokumen lengkap. Sekiranya jumlah loan yang dipohon antara Rm3,00-Rm19,000, yuran Rm10 akan dikenakan. Payout pula menjadi 75%. Jika jumlah loan yang dipohon Rm20,000 ke atas, yuran bulanan koperasi Rm20 dan payout meningkat kepada 80%.
Personal Financing-i Coshare interest rate 7.50%
Tawaran Pinjaman Peribadi dengan kadar faedah 7.50% dengan ciri-ciri seperti kadar interest terendah di pasaran 7.50% setahun, payout 80% tolak advance installment 1 bulan dan kadar approval 15 hari bekerja. Yuran fi adalah Rm30 yakni sama seperti yuran koperasi yang lain. Minimum loan amount Rm3,000 dan maximum financing amount Rm200,000. Tempoh pembiayaan selama 10 tahun.
Selain itu, anda mestilah bekerja 1 tahun ke atas. Umur pemohon tidak melebihi 48 tahun semasa membuat permohonan. Pekerja rendah am, pengawal keselamatan, dan jawatan pemandu Gred (R) tidak layak memohon. CTOS Rm25k ke bawah layak memohon. Repayment table Coshare EZ 7.50
Other Financing Loans
Personal Financing-i Coshare Kuwait Finance House (KFH) interest 3.99% dan 100% payout (ditutup)
Personal Financing-i Coshare Kuwait Finance House (KFH) interest 3.99% dan 100% payout. Tawaran terbaik kerana menawarkan pembiayaan sehingga 100% payout bermakna pembiayaan dapat penuh. Produk pembiayaan ini sangat popular kerana menguntungkan pemohon. Bagi yang ingin membuat overlap inilah masanya kerana overlap pinjaman yang interestnya tinggi kepada interest rendah iaitu 100% payout.
Kriteria loan seperti dibawah:-
Kadar interest terendah di pasaran 3.99% setahun.
Tempoh pembiayaan sehingga 20 tahun.
Blacklist CTOS CCRIS layak memohon.
Pembiayaan dapat penuh iaitu payout 100%.
Terbuka kepada kakitangan kerajaan (AG) dan polis.
Proses 3-4 minggu bergantung kepada kelulusan di bahagian pemprosesan borang.
Sesuai untuk overlap dan penggabungan beberapa akaun bank dan koperasi menjadi satu akaun.
Pinjaman Peribadi Coshare (ditutup). Setelah pasaran kewangan mengalami kesulitan di mana tempoh pembiayaan telah dipendekkan dari 20 tahun kepada 10 tahun, maka sila rujuk promosi pembiayaan peribadi terkini dengan kadar interest dan payout yang berbeza. Ini perkara yang pertama dan utama. Tidak boleh mempunyai rekod CTOS/ CCRIS (blacklist). Jika ada maka permohonan tidak diluluskan.
Proses sama seperti memohon dengan bank-bank yang lain. Sekiranya gagal mendapatkan permohonan pembiayaan peribadi dengan bank lain, maka permohonan Pinjaman Peribadi Coshare dan Ikhtiar Destinasi (IDSB) juga akan mendapat keputusan yang mengecewakan. Jadi jangan membuang masa lagi, terus mohon personal loan koperasi dengan pihak kami kerana kami menawarkan semua pakej dan semua koperasi. Proses 2-4 minggu tertakluk kepada dokumen mestilah lengkap dan kadar payout 91%. tolak 2% angkasa.
Mohon Pinjaman Peribadi Coshare
Kami menyediakan perkhidmatan pinjaman peribadi koperasi Coshare dan bank untuk kemudahan anda. Berhubung dengan kami untuk mendapatkan maklumat-maklumat seperti pakej promosi terkini, kadar keuntungan terkini dan jumlah maksimum pembiayaan. Perkhidmatan yang ditawarkan adalah:
Pinjaman peribadi baru: Kiraan had kelayakan pinjaman berdasarkan kepada kekuatan slipgaji anda iaitu gaji pokok, elaun tetap dan jumlah potongan dalam slipgaji dan potongan 60%, 50% atau 40% dari jumlah pendapatan. Anda boleh membuka akaun pertama kali dengan bank atau koperasi, akaun kedua, akaun ketiga dan seterusnya.
Pinjaman peribadi overlap: Dikenali sebagai pinjaman bertindih di mana anda menggunakan akaun pembiayaan sediada dan memohon untuk mendapat tunai ditangan secara in-house overlap atau ambil penyata penyelesaian awal dan overlap di bank/ koperasi lain. Anda mungkin menambah/ tidak menambah bayaran ansuran bulanan atau jumlah pembiayaan asal.
Anda juga boleh memohon pinjaman peribadi Yayasan Ihsan Rakyat (YIR), Yayasan Perlis (YYP), pembiayaan Bank Rakyat, Bank Simpanan Nasional (BSN), Koperasi Kekal, Koperasi Gemilang (Kogemilang), Al-Rajhi Bank, Alliance Bank, Koop Bank Pertama, MBSB Bank dan lain-lain.
Bagaimana Cara Mohon Pinjaman Peribadi Coshare dan Koperasi Lain?
Mohon pinjaman peribadi atau koperasi lain juga pembiayaan peribadi bank dengan mudah. Anda hanya perlu menghantar slipgaji terkini ke talian hotline pinjaman peribadi 019-2983056 sekarang! Klik butang nombor telefon di atas untuk maklumat lanjut.
As one of the leading banks in Malaysia, Bank Simpanan Nasional offers personal financing with to all. You may choose:
Executive-1
ASB loan with floating rate
Exec-1 with floating rate
Financing for armed forces or tentera
Personal Loan BSN Executive-1
An exclusive personal loan package catered especially for executives. Applicant Eligibility must be Malaysian citizen aged 21 to 55 / 60* years old at the end of the loan tenure. The application is dedicted to permanent & contract officers and staff that have minimum three (3) years of working experience.
Offered only to Employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, Selected Private University & College, Statutory Body, Government Link Company, Selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professionals (Doctor, Architect, Lawyer, Accountant and other certified Professionals).
Minimum gross income of RM3,000 per month (permanent staff) & RM10,000 per month (contract staff) and BSN GIRO / GIRO-i Account holders. Note: *Subject to employer confirmation.
Documents Required
A copy of latest three (3) months’ Salary Slips; A copy of your NRIC (both sides); Latest EPF Statement; AND Confirmation Letter by Employer stating the below suh as Name and NRIC, Designation and Employment Status, Monthly salary and Date of Employment OR Latest EA / EC Statement and latest e-filing form or any verified documents by the Inland Revenue Board (LHDN). Note: *Subject to the current Terms & Conditions.
Product Features
Mode of payment is via standing Instruction from other Financial Institutions where the customer salary account is credited. BSN Standing Instruction. ATM/CDM and IBG (Interbank Giro).
Personal Loan BSN Limit / Rate
No
Income
Interest Rate
Loan Limit
Tenure
1
RM3,000 to RM5,000
7.50%
Five (5) times of monthly gross income
Minimum: 2 years
Maximum: 10 years
2
> RM5,000 to RM10,000
6.50%
Seven (7) times of monthly gross income
3
> RM10,000
5.50%
Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower
Minimum Loan: RM10,000
Late Payment Charge
Monthly Instalments in Arrears×1%× Number of Days Overdue⁄ 365.
Personal Financing Facilities: ASB Loan (SPD ASB) With Floating Rate
Get the funds you need quickly with a Personal Loan BSN Pinjaman Peribadi Bank Simpanan Nasional. Our personal loans are affordable and flexible- specially cater to your needs. ASB Loan is another form of term loan to purchase ASB unit trust.
Product Eligibility
All qualified ASB investors under the ASNB guidelines. Aged 18 to 60 years old at the end of the loan tenure. Permanent Employee or Self-employed.
Document Required
For Permanent Employee:
One (1) copy of NRIC (front and back). One (1) copy of ASB passbook. One (1) copy of latest two (2) months’ pay slip.
For Self-Employed:
One (1) copy of NRIC (front and back). One (1) copy of ASB passbook. One (1) copy of latest three (3) months bank statement.
Note: All document copies to be certified by BSN’s officer.
Personal Loan BSN Limit/ Amounts
Loan amount will be in multiple of RM1, 000 and subject to the following limit :
Minimum
Maximum
RM10,000
RM200,000 Excluding other charges)
Financing Rates
Tenure
Interest Rate
5 – 30 years or subject to the maximum age of 60 years whichever is earlier.
BLR -1.65% Government’s servant who owns BSN’s salary account. (Installment through Standing Instruction)
BLR – 1.60%Other categories of customer (Private or Government sector)
Late Payment Charge
Monthly installments in Arrears × 1% × Number of Days Overdue/ 365
Exec-1 Personal Loan BSN with Floating Rate
An exclusive personal loan package offered from BSN only to employees of Premier Developer Panel, Private Hospital, Telecommunication Company, Licensed Financial Institution, Multinational Company, PETRONAS Group of Companies, selected Private University & College, Statutory Body, Government Link Company, selected Public Listed Company in Main Market Bursa Malaysia (Financial, Plantation, Property, Technology, Trading / Service, Industrial Product, Consumer Sectors only) and Professional (Doctor, Architect, Lawyer, Accountant, and other certified Professionals).
The best package for executive out there. Apply now and enjoy the benefit. All application must be subject to employer confirmation. The minimum gross salary requires with great benefit to enjoy. See product eligibility below.
Product Eligibility
Malaysian citizen. Aged 21 to 55 / 60* years old (subject to the retirement age). Open to Executive and above that has been employed ≥ 1 year. Minimum Gross Income: RM3,000 and above- Permanent Employee, RM10,000 and above – Contract Employee and BSN GIRO / GIRO-i account holder.
Note: *Subject to employer confirmation.
Documents Required
One (1) copy of NRIC (front and back);
One (1) copy of latest three (3) months’ pay slip.
Latest EPF statement; AND» Confirmation Letter by Employer stating info: Name- NRIC- Designation- monthly Salary- Date of Employment OR
Latest one (1) year EA / EC statement and e-filing form or any verified documents by the Inland Revenue Board (LHDN).
Note: » All document copies to be certified by BSN’s officer.
Personal Loan BSN Limit (Minimum and Maximum)
Minimum: RM5,000
Maximum:
No.
Income
Loan Limit
1.
RM3,000 to ≤ RM5,000
Five (5) times of monthly gross income
2.
> RM5,000 to ≤ RM10,000
Seven (7) times of monthly gross income
3.
> RM10,000
Ten (10) times of monthly gross income / maximum RM200,000 whichever is lower
Financing Rates
Tenure
Interest Rate
Minimum: 2 years Maximum: 10 years
subject to: i. The retirement age, whichever is earlier. ii. Customer qualification
BLR + 2% (monthly basis)Current BLR: 6.85% (effective as at 22nd July 2014)
Late Payment Charge
»Monthly installments in Arrears × 1% × Number of Days Overdue / 365.
SPD ATM (Personal Loan for Army/ Tentera)
This personal loan BSN offer exclusively to Malaysian Armed Force Personnel. Malaysian citizen. Aged 21 to ≤ 60 years old (subject to retirement age during completion of the loan). Malaysian Armed Force (MAF) staff- Lieutenant or equivalent and above only. Permanent employee who has been employed for ≥3 months. Minimum gross income (basic salary + fixed allowance) of RM3,000 per month. Monthly salary payment MUST be through BSN e-Payment System. BSN GIRO/ GIRO-i account holder. Document required:
A certified copy of latest 2 months’ salary slips.
A certified copy of your NRIC (both sides).
Confirmation letter from your employer with the details: Name/ NRIC No.- Designation / Status- Monthly Gross Income- Date of Employment- Date of Retirement / Tarikh Tamat Perkhidmatan (TTP).
Letter of Consent and Undertaking for Salary Account Deduction.
Proof of having GIRO / GIRO-i account.
Loan Limit Min. and Max.
Min. 5k and max is RM200,000
Interest Rate
1 to 10 years: 4.5%
The rate on the principal balance of the Facility shall be changed to the Default Rate (6.50%) if you commit any of the following events: – early retirement from MAF services;– quit or resign from MAF services;– terminated by MAF;– change BSN Salary Account to other bank or financial institutions;– fail to pay any of the Instalments in accordance with the repayment schedule as stipulated by the Bank.»Default Rate (6.50%) will remain unchanged until end of the loan tenure.
Al-Rajhi Bank merupakan perbankan Islam terbesar didunia dari data yang diambil pada tahun 2006.
About Al-Rajhi Malaysia
Al-Rajhi bank was founded by in 1958, based in Riyadh, Saudi Arabia and had been established in Malaysia and has many branches across the country. Internet banking services known as alrajhi 24 seven (Maybank and CIMB Bank with Maybank2u with Cimbclicks respectively) enable online transactions with ease. Personal loan Al-Rajhi Bank has indeed become so popular in last few years for its collaboration with the Cooperative Development Fund Berhad (KPUNB) and Kobeta has dominated the personal loans to government employees and statutory bodies.
Stay tuned for the latest info on personal loans latest promotions and updates. The most popular personal finance offers the lowest interest rate 3.99% and payout 99.1%.
This new product has not been started yet. You can still apply with the best cooperative such as Koperasi Gemilang Siswazah (kogemilang), Yayasan RCE Perlis, Koperasi Petronesa, Koperasi Kobena, Ikhtiar Destinasi, Coshare and many more.
Trust us. We will provide the best service to you. For applicants residing outside the Klang Valley, the form will be mailed to you. The application form needs to get approved by the employer / payroll unit. Open to permanent civil servants and police only. For private sector employees, you need to apply at the bank branch adjacent to obtain further information about the products and services provided.
Pinjaman Peribadi Al-Rajhi Personal Financing-i
Need Funds for your Child Education, Home Renovation or Dream Vacations? Al Rajhi Personal Financing-i helps you to meet your financial requirements. Provides you the platform for you to obtain cash for personal use. Be it for home renovation or to meet your child’s education funds whereby our facility caters for such purpose.
Attractive rates as low as 6.99%* p.a. High financing limit up to 5 or 8 times your monthly income or RM150,000 whichever is lower Financing tenure of up to 8 years No guarantor required Financing product approved by Al Rajhi Bank Malaysia Shariah Board
*Terms and conditions apply.
Financing Basic Requirements
Minimum age: 25 years old
Minimum gross income: RM4,500* & above
*Subject to minimum annual income of RM60,000 & fixed income earner only
Personal Loan Rates & Charges
FEES TYPE, DETAILS
Stamp Duty: MCSA 0.5% ad-valorem
Takaful: Depends on the amount financing, tenure and age
Retrieval/ Photocopy of Security Documents
Actual cost
Lawyer’s fee for PF-Balance Transfer Programme
RM 21.20 upon each approved Balance Transfer Programme
BURSA transaction fee: As per Bursa Charges @RM15.90 per every RM 1,000,000.00
Redemption Statement Fee: RM 10.60 per request
Annual Financing Statement Fee: RM 5.30 per request (Ad-hoc)
*1st request for the year is FOC * All fees are inclusive 6% GST unless stated otherwise.
How to apply
Step 1 – Fax or email your NRIC, Military ID or Police ID and the Personal Financing-i application form
Step 2 – Our Financial consultants will assist you with your enquiries
Pinjaman Peribadi Al-Rajhi
Pinjaman Peribadi Al-Rajhi Bank ini adalah 100% Syariah Compliant. Berdasarkan prinsip Islam. Tiada keuntungan berganda dan tiada unsur Riba dalam urusniaga perbankan. 100% perbankan Islam (Islamic Banking). Ia telah di asaskan oleh pada tahun 1958 yang berpengkalan di Riyadh, Arab Saudi.
Sehingga kini, Al-Rajhi telah bertapak di Malaysia dan mempunyai banyak cawangan di seluruh negara. Perkhidmatan perbankan internet sepertimana dipunyai oleh Maybank dengan perkhidmatan Maybank2u dan CIMB Bank dengan perkhidmatan cimbclicks membolehkan transaksi dilakukan atas talian. Pinjaman peribadi ini sememangnya telahpun dikenali sebelum ini sejak beberapa tahun kebelakangan ini. Pernah usahasama dengan Koperasi Pembangunan Usahawan Berhad (KPUNB) dan Kobeta telah mendominasi pinjaman peribadi untuk kakitangan kerajaan dan badan berkanun.
Cetakan epenyata gaji anm dan laporan
Cetakan eslipgaji (payslip) jabatan akauntan negara malaysia. Cara mendaftar dan panduan semakan payslip akan ditunjukkan Nantikan info yang terkini mengenai pinjaman peribadi berkenaan promosi terkini dan terbaru. Info terkini yang diketahui adalah pembiayaan peribadi Al-Rajhi ini menawarkan interest serendah 3.99% dan payout 99.1%. Produk terbaru ini belum mula lagi. Anda masih boleh memohon dengan koperasi yang terbaik seperti di Koperasi Gemilang Siswazah (kogemilang), Yayasan RCE Perlis, Koperasi Petronesa, Koperasi Kobena, Ikhtiar Destinasi, Coshare dan lain-lain pinjaman
Bagi kakitangan swasta, anda perlu ke cawangan bank Al-Rajhi yang berdekatan untuk mendapatkan maklumat lanjut mengenai produk dan perkhidmatan yang disediakan.
KOPERASI ANGGOTA RISDA MALAYSIA BERHAD (KARISMA) is a cooperative established on 02 January 1997 and registered under subsection 7 (1) of the Cooperatives Act 1993 as a basic cooperative with limited liability.
KARISMA is a cooperative cooperative where the main business or activity of the cooperative is to provide financial loan services to qualified members or members based on the By-laws of the RISDA Malaysia Berhad Member Cooperative.
In addition, RISDA Malaysia Berhad Member Cooperatives also make other transactions apart from providing loans to Members. Among the transactions that KARISMA is involved in are as follows.:-
Supplying Fertilizers and Chemicals to Government Agencies
Supplying Rubber Tapping Equipment
Supplying all Types of Agricultural Tools
Supply of Beef Cattle/Feedlot Cattle Feed
Supplying Corporate Clothing
Supplying Books and Reading Materials
Supplying All Types of Stationery & Office Circles
Providing Islamic Cooked Food Supply Services to Hostels / Institutes
For the year 2013 to 2017, Koperasi Ahli RISDA Malaysia Berhad has successfully obtained a tender for the service of providing cooked food (eating & drinking) for participants of courses/meetings and other activities at IKPK KELANTAN, BUKIT SIREH, KELANTAN. KELANTAN IKPK is the second (2) IKPK that has been entrusted by RISDA to RISDA Malaysia Berhad Member Cooperative after IKPK PADANG RENGAS, PERAK whose service period has been extended for the second year.
RISDA Malaysia Berhad Member Cooperative has also received an offer to paint and beautify the RISDA building located in Jalan Ampang.
Karisma Tawarruq-i Personal Loan Koperasi Anggota RISDA Malaysia Berhad KARISMA
Personal Loan Koperasi Anggota RISDA Malaysia Berhad KARISMA Tawarruq-i as follows:-
BAI AL INAH CHANGED NAME TO TAWARRUQ-I
PROCESS ONLY 5 WORKING DAYS FOR COMPLETE APPLICATION
A GUARANTOR MUST BE ATTACHED
*SUBJECT TO TERMS AND CONDITIONS
Emergency Personal Loan
Apart from the Tawarruq-i Personal Loan Koperasi Anggota RISDA Malaysia Berhad or KARISMA, the features of emergency loans are as follows:-
FLOOD TURNED INTO NATURAL DISASTERS
MEDICAL TREATMENT
HOME PURCHASE (FIRST TIME)
PERFORMING PILGRIMAGE (FIRST TIME)
GET THE LIGHT OF THE EYE
CAR REPAIR AND ROAD TAX RENEWAL
OTHER REQUIREMENTS DEPEND ON CHARISMAL APPROVAL
*MUST ATTACH A GUARANTOR
*SUBJECT TO TERMS AND CONDITIONS
Koperasi Anggota RISDA Malaysia Berhad Consumer Goods Financing
FILL IN THE FINANCING FORM DURING BARNAGAN APPLICATION
APPLICATION PROCESS 3 TO 5 WORKING DAYS
MAXIMUM LOAN UP TO RM 10,000.00
*MUST ATTACH A GUARANTOR *SUBJECT TO TERMS AND CONDITIONS
Member Welfare
To all members of Koperasi Anggota RISDA Malaysia Berhad or KARISMA according to the terms & conditions that have been set, namely:-
Outstanding Student Contribution
UPSR – 5A
PMR – Minimum 7A
SPM – Minimum 6A
Hospital Donations
Admission to the ward RM 20 per night for a maximum of 5 nights Surgery RM 100
Fardhu Hajj Contribution (Once a living well)
Retirement Contribution (Once in a Lifetime)
Member’s Death Contribution (Died while still a member)
Other Services
Corporate clothes
Ready Made Design
Logo stitching
Embroider the name
Sizes S, M, L, XL and XXL
For men and women
Type of fabric :
VISCOSE or MINI DRILL
OXFORD – CVC 55/45 (blue)
KARISMA members can make payments through salary deductions. Bookings are also open to non -members by paying 50% in advance.
Car And Motor Lubricants
Collaboration with Koperasi Kakitangan Petronas Berhad (KOPETRO).
Supply of Agricultural Equipment
Picker (lazy palm fruit picker), Rubber tapping equipment set (PPG), Rubber vinegar and latex stimulator and Rejuvenator.
Rice and Sugar Supply of Agricultural Fertilizers and Herbicides Supply of Stationery/A4 Paper & Corporate Circles Feedlot Cattle Supply Insurance Services
Koperasi Anggota RISDA Malaysia Berhad (KARISMA) W-6-0275 No. 3A, Blok 3 (Tingkat 2), City Garden Commercial Center, Taman Nirwana, 68000 Ampang, Selangor
Looking for popular personal loan? Koperasi Kospeta Malaysia Berhad has it all. Apply for overlap or fresh loan and enjoy very low interest rate. Contact us now for more details about other koperasi loan or banks loan available. We will serve you the best.
Personal Loan Koperasi Kospeta Malaysia Berhad Pinjaman Peribadi Summary
Koperasi Name: Koperasi Kospeta Malaysia Berhad
Abbreviation / Code Name: KOSPETA
Koperasi Promotion Name: General Info about Personal Loan Koperasi Kospeta Malaysia Berhad Pinjaman Peribadi
Personal Loan Promotion Period: ~ call for confirmation ~
Open to: Government
Max Loan Amount: RM150k
About Koperasi Kospeta Malaysia Berhad Pinjaman Peribadi
KOPERASI KOSPETA MALAYSIA BERHAD The cooperative, which is made up of Local Authority (PBT) Employees, IWK, Alam Flora, Southern Waste Management (SWM) and e-Idaman, has once again been promoted to the 100 BEST COOPERATIVE INDEX.
Where KOSPETA has been at its best ranked 21st out of more than 14,000 cooperatives in Malaysia and 14th in the Federal Territory.
Hopefully Koperasi KOSPETA Malaysia Berhad will continue to excel in providing the best service to its members.
Personal Loans Koperasi Kospeta Malaysia Berhad Secured Loans (4201)
MEMBER BENEFITS
Financing Facility: KOSPETA members who are registered and meet the funding conditions that have been set, are invited to apply for funding from various financing plans provided specifically to ease the burden of members.
The financing offered is real estate financing, investments, cars, studies, emergencies and more.
Secured Loans (4201) Personal Loan Koperasi Kospeta Malaysia Berhad
The financing amount of RM 80,000.00 under this scheme is limited to 30 months of the applicant’s salary mixed with the total capital fees paid and DEDUCTED all member liabilities to the cooperative excluding the secured financing scheme.
Members are eligible to make this application subject to the following conditions:-
Has no debt balance of 90% financing scheme or instant financing scheme.
Requires at least 4 guarantors consisting of qualified members (the total guarantee liability by the guarantors is either associated or separate covering the entire amount of the financing) the repayment period of the financing is not more than 120 months.
Service charge is 5.2% per annum.
Financing repayment for the purpose of making a new financing application can be done provided a service fee of RM10.00 is charged.
Original and current salary statement.
Contract workers submit the latest contract letter.
Members are not eligible to apply for new funding until the previous funding has been fully settled.
Personal Loan With 90% Financing (4202)
90% Financing (4202) Personal Loan Koperasi Kospeta Malaysia Berhad
This financing scheme is eligible to be considered for members subject to the following conditions:- The amount of funding shall not exceed 90% of the total capital of the membership fee Members have no secured financing balance or instant financing Does not require guarantor or collateral The repayment period of the financing is not more than 60 months Original and current salary statement Contract workers submit the latest contract letter The service fee is 5% per annum.
90% Financing (4202) Personal Financing – TPTP (4201TP) Koperasi Kospeta
This financing scheme aims to help members in financial need without burdening other guarantors.
Has a minimum share amount of RM3,000.00.
Payment period up to 120 months.
No guarantor and qualified to Permanent status member.
Confirmation from the Employer and 2 witnesses.
The TPTP charge is 3% of the financing amount.
Latest original salary statement.
Eligible to take Emergency financing of RM2,000.00 only.
Not eligible to apply for other TPTP funding.
Original and current salary statement.
Contract workers submit the latest contract letter.
Secured Loan
5.20%
/p.a
Max financing RM80,000
30 months payment
Open to permanent and contract staff
90% Financing
5.00%
/p.a
Low interest rate only 5.00%
Installment up to 60 months
Overlap Loan
Ask
/p.a
90% Financing
Must settle 50% existing loan
Popular choice
Overlapping Personal Loan Kospeta
Overlapping Personal Loan Kospeta
This financing scheme aims to help members who are in need of finance even if the previous financing has not been settled in full.
Maximum funding eligibility can be given on a single member application or made in stages.
If the financing is made in stages then the maximum eligibility is determined based on the first application.
Financing can be made to a Guaranteed Financing scheme or 90% Financing on share capital.
Previous financing has been settled in excess of 50% with payments made through salary deductions.
Original and current salary statement.
Contract workers submit the latest contract letter.
RCE Capital Berhad – Trusted Personal Financing for Over 10 Years
Before applying for a personal loan, it’s important to understand RCE Capital Berhad, its business, projects, and financing options. With over 10 years of experience, RCE Capital Berhad has been providing reliable personal financing to both civil servants and the private sector. Apply with confidence through Yayasan Ihsan Rakyat (YIR), knowing that you are choosing a company with a proven track record. Learn more about their services and get started with your application today!
Overview & History of RCE Capital Berhad
RCE Capital Berhad: A Rich History of Growth and Transformation
RCE Capital Berhad (formerly known as Leong Tian Tin Mines Limited) was incorporated in Malaysia on 18 December 1953. Over the years, the company has undergone several name changes, reflecting its evolving business direction and growth trajectory.
1953: Incorporated as Leong Tian Tin Mines Limited.
1966: Name changed to Leong Tian Tin Mines Sdn Bhd.
1978: Renamed to Rislee Enterprise Sdn Bhd.
1993: Converted to a public limited company and rebranded as Rislee Enterprise Berhad.
1993: Company name changed again to Rediffusion Berhad.
2003: Adopted its current name, RCE Capital Berhad.
Today, RCE Capital Berhad operates as a subsidiary of Amcorp Group Berhad and is listed on the Main Market of Bursa Malaysia. Initially engaged in mining, the company now focuses on financial services, having shifted its business model since 2003 with key acquisitions such as RCE Marketing Sdn Bhd and RCE Factoring Sdn Bhd.
Key Milestones in RCE Capital’s Evolution
20 September 1994: Listed on the Second Board of Bursa Securities.
23 August 2006: Transferred to the Main Board (now Main Market).
2003: Shifted focus to financial services after selling its broadcasting business.
2007: Acquired RCE Factoring Sdn Bhd, which provides credit factoring solutions.
Personal Loan Services by RCE Marketing Sdn Bhd
RCE Marketing Sdn Bhd, a subsidiary of RCE Capital Berhad, is dedicated to providing Shariah-compliant personal financing solutions. The company has a long history of working with various co-operatives and foundations to offer financial assistance to government employees, enabling them to access affordable personal loans through a salary deduction scheme.
How to Apply for Personal Loan – Yayasan Ihsan Rakyat (YIR)
RCE Marketing works closely with Yayasan Ihsan Rakyat (YIR) to offer low-profit personal loans for Malaysian civil servants. Here’s how you can apply for a personal loan:
Download and Complete the Application Form: Visit the official website of YIR or RCE Capital to download the loan application form.
Submit Your Application: After completing the form, submit it to the relevant office for processing.
Wait for Approval: Upon verification, your loan will be approved quickly, often within 3-5 business days.
Receive Your Funds: Once approved, the loan amount will be disbursed directly to your account.
Commercial Financing by RCE Factoring Sdn Bhd
RCE Factoring Sdn Bhd provides factoring and confirming facilities to small and medium-sized enterprises (SMEs), primarily those involved in trading, construction, and manufacturing sectors.
What Is Factoring and Confirming?
Factoring
Factoring is a financial transaction in which a business sells its accounts receivables at a discount to a factoring company. This allows the business to get immediate cash flow.
Benefits of Factoring:
Quick access to cash within a short period.
No new debt is created.
No collateral required.
Better discounts for cash purchases.
Confirming
Confirming is when a business needs to confirm an order of goods, and the confirming company guarantees payment to the supplier upon delivery.
Benefits of Confirming:
The client doesn’t pay the supplier until the obligations are fulfilled.
Provides extra working capital to the business.
Why Choose RCE Factoring?
Here’s why RCE Factoring is the ideal choice for your business financing needs:
Flexible credit terms tailored to your requirements.
Dedicated professional support to cater to your business needs.
Prompt and efficient service to ensure smooth transactions.
Contact Information for Yayasan Ihsan Rakyat (YIR)
For more information about personal loans and other financing options, please contact Yayasan Ihsan Rakyat (YIR):
Address: Yayasan Ihsan Rakyat Lot 33.01-02, Tingkat 33 Sunway Putra Tower, 100, Jalan Putra, 50350 Kuala Lumpur
RCE Capital Berhad has transformed over decades, from its early days in mining to its current position as a key player in the financial services sector. With a strong focus on Shariah-compliant financing and quick loan disbursements, RCE Capital offers tailored financial solutions for both individuals and businesses, helping them manage cash flow and achieve long-term financial stability.
RCE Capital Berhad: Summary
Article Title: RCE Capital Berhad
Category: #RCE #PersonalLoan
Purpose: #GeneralInformation
Koperasi Product and Services
We cover all koperasi across Malaysia, providing a wide range of products and services. Explore the options below to discover useful information and easily contact the koperasi that meets your needs. Unlock the benefits of various koperasi offerings available nationwide!
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Koperasi KOSMAS Selangor: Pelaburan Masa Depan Anda Jana kekayaan masa depan anda dengan pelaburan di Koperasi KOSMAS Selangor. Pelajari lebih lanjut mengenai peluang pelaburan saham…
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Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
Yayasan Ihsan Rakyat (YIR) – Shariah Compliant Personal Financing for Malaysian Civil Servants
Yayasan Ihsan Rakyat (YIR) offers Shariah-compliant personal financing exclusively for Malaysian Civil Servants and selected employees of Statutory Bodies and Government-Linked Companies (GLCs). Funded by RCE Marketing Sdn Bhd, a Bumiputera-owned company, YIR provides trusted financial solutions tailored to the needs of public sector employees. Learn more and apply today for reliable and ethical financing options.
Fully Shariah Compliant Financing with Yayasan Ihsan Rakyat (YIR)
Yayasan Ihsan Rakyat (YIR) offers fully Shariah-compliant personal financing solutions that require an akad (formal agreement) to ensure complete understanding of the terms and conditions. With no collateral required, enjoy exclusive profit rates ranging from 6.50% p.a. to 9.99% p.a.—tailored to meet your financing needs.
Fast, Fair, and Easy Financing with Yayasan Ihsan Rakyat
YIR provides quick, easy, and transparent financing to help you achieve your financial goals, whether it’s for personal needs, education, medical expenses, or business ventures.
*48-Hours Disbursement **
Financing Amount up to RM200,000
Tenure up to 10 Years
Open to Malaysian Civil Servants and Selected Statutory Bodies and GLC Employees
Yayasan Ihsan Rakyat’s financing is available to Malaysian civil servants and employees of selected statutory bodies and government-linked companies (GLC).
Note: Disbursement is subject to complete documentation, employer verification, and customer confirmation through akad.
How to Apply for Yayasan Ihsan Rakyat Personal Loan
Applying for a personal loan with Yayasan Ihsan Rakyat is straightforward and simple. Follow these easy steps to apply:
1. Fill an Easy Application Form
Download the application form, fill it up, and submit it to us.
2. Get Your Personalized Financing Quote / Check Your Eligibility
Choose from the financing amounts provided in the quotes.
3. Agree to Terms & Verify Your Details
Our team will guide you through the process to ensure everything is in order.
4. Get Your Money
Once approved, your financing will be disbursed to your account within 48 hours (subject to complete documentation, employer verification, and confirmation via akad).
Who Are We?
Yayasan Ihsan Rakyat (YIR) is a Shariah-compliant financing provider incorporated under the Companies Act 2016 (Registration No: 201201017719 [1003231-A]). Unlike cooperative societies, YIR operates as a foundation, offering tailored financing solutions for Malaysian civil servants and employees of selected statutory bodies and government-linked companies (GLC).
Our financing options aim to help individuals manage personal expenses, education fees, start a business, cover medical bills, and more.
Contact Yayasan Ihsan Rakyat (YIR)
For more information or to start your application, please contact us:
Address: Yayasan Ihsan Rakyat Lot 33.01-02, Tingkat 33 Sunway Putra Tower, 100, Jalan Putra, 50350 Kuala Lumpur
Why Choose Yayasan Ihsan Rakyat for Your Personal Loan?
Shariah-compliant financing with competitive profit rates from 6.50% to 9.99% p.a.
Quick disbursement: Your funds are available within 48 hours upon approval.
No collateral required, making it easier for you to secure financing.
Flexible financing up to RM200,000 and repayment tenures of up to 10 years.
Available exclusively to Malaysian civil servants and employees of selected statutory bodies and GLCs.
Whether you’re looking to finance your lifestyle, business, education, or medical needs, Yayasan Ihsan Rakyat offers a reliable and Shariah-compliant solution for Malaysian civil servants and eligible GLC employees. With fast processing and transparent terms, it’s the ideal choice for your financial needs.
Yayasan Ihsan Rakyat (YIR): Summary
Article Title: Yayasan Ihsan Rakyat (YIR)
Category: #YIR #PersonalLoan
Purpose: #Promotion
Personal Loans
Need flexible financial solutions? Get the loans and funding you need to achieve your goals. Click below to explore your options and get started today!
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Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!
HSBC Amanah Personal Loan is one of the must get financing for existing, premier and new customer. Financing up to RM250,000. Apply now! Click here for more detail
HSBC Amanah Personal Loan Summary
Bank Name: HSBC
Abbreviation / Code Name: –
Bank Promotion Name: General Info about personal financing at banks
About HSBC
HSBC Amanah Personal Loan is one of the must get financing for existing, premier and new customer. HSBC is one of the world’s largest banking and financial services organizations. We serve more than 40 million customers through our global businesses: Wealth and Personal Banking, Commercial Banking, and Global Banking & Markets. Our network covers 64 countries and territories in Europe, Asia, the Middle East and Africa, North America and Latin America.
We aim to be where the growth is, connecting customers to opportunities, enabling businesses to thrive and economies to prosper, and ultimately helping people to fulfil their hopes and realize their ambitions. Listed on the London, Hong Kong, New York and Bermuda stock exchanges, shares in HSBC Holdings plc are held by around 197,000 shareholders in 130 countries and territories.
About HSBC Malaysia
HSBC’s presence in Malaysia dates back to 1884 when the Hongkong and Shanghai Banking Corporation Limited established its first office in the country, on the island of Penang, with permission to issue currency notes. In 1959 it bought the Mercantile Bank, which started operations in Malaysia in 1860. Opened its office in Malacca in 1909 and by the end of 1912, offices had opened in Ipoh, Kuala Lumpur, Johor Bahru and Kota Bharu.
During the 1920s and 1930s, the bank opened more branches in several states – Sungai Petani branch in 1922, Kuantan in 1929, Muar in 1930, and Kuala Terengganu in 1936. In Sabah, the first branch opened in Kota Kinabalu in 1947. Branches were set up in Sandakan and Tawau a year later, followed by Labuan in 1957. In Sarawak, branches opened in Kuching in 1958 and 1964 and in Sibu in 1959. In 2006, was the first foreign bank to be awarded a licence to operate a Takaful (Islamic insurance) business in Malaysia.
HSBC Amanah Takaful (Malaysia) Sdn Bhd – a joint venture between HSBC Insurance (Asia-Pacific) Holdings Limited (49 per cent shareholding), Jerneh Asia Berhad (31 per cent shareholding) and Employees Provident Fund Board of Malaysia (20 per cent shareholding) – commenced operations in August 2006. In March 2019, exited the Takaful manufacturing business to focus on its banking and wealth operations in Malaysia.
In 2007, HSBC Bank Malaysia was the first locally incorporated foreign bank to be awarded an Islamic banking subsidiary license in Malaysia, and HSBC Amanah Malaysia Berhad, an Islamic bank wholly owned by HSBC Bank Malaysia, commenced operations in August 2008. Has a network of more than 60 branches, of which a third are HSBC Amanah Malaysia Berhad branches.
HSBC Amanah Personal Financing-i Product & Services
Financing up to RM250,000 | Monthly payment as low as RM109. Now you can embrace every new chapter in life with financial peace of mind. Enjoy exclusive profit rate11 view footnote 1 when you apply for HSBC Amanah Personal Financing-i today!
Personal Loan to Existing Customers
Whether it’s for your home or business, HSBC Amanah Personal Financing-i can help you meet your needs and reach your goals. Apply and enjoy flat rates as low as 7.5% p.a. today. You’re eligible if:
You’re aged between 21 and 60
Your monthly salary is RM3,000 and above
You are Malaysian or have Malaysian PR status
Personal Loan to Existing Premier Customers
Exclusive 4.88% p.a. flat profit rate when you sign up for HSBC Amanah Premier Personal Financing-i. You’re eligible for an Amanah Premier Personal Financing-i Account if:
To be qualified, a primary account holder must be at least 21 years old with a minimum of RM200,000 in total relationship balance with HSB or Amanah, or by meeting other Premier Eligibility Criteria.
Personal Loan to New Customers
If you are not an HSBC Amanah Customer, you may still enjoy our benefits. Apply now to enjoy! You’re eligible for an Amanah Personal Financing-i Account if:
You’re aged between 21 and 60
Your monthly salary is RM5,000 and above
You are Malaysian or have Malaysian PR status
Personal Loan to Existing customers 7.50% /p.a
Personal Loan to Existing customers 7.50% /p.a
Profit rate from as low as 7.5% per annum
Monthly payment as low as RM109
Financing amount from RM50,000 to RM250,000
No stamp duty, no processing fee and no early settlement fee
Payment tenure 2 years till 7 years
Instant cash disbursement upon approval
Shariah compliant
Consolidate your debt
Personal Loan to Existing Premier customers 4.88% /p.a
Fixed profit rate of 4.88% per annum
Monthly payment as low as RM96
Financing amount from RM6,000 to RM250,000
No stamp duty, no processing fee and no early settlement fee
Payment tenure from 2 years till 7 years
Instant cash disbursement into your HSBC or Amanah Premier* account upon approval
Shariah compliant
Personal Loan to New customers 10.50% /p.a
Personal Loan to New customers 10.50% /p.a
Profit rate from as low as 10.5% per annum
Monthly payment as low as RM163
Financing amount from RM6,000 to RM120,000
No stamp duty, no processing fee and no early settlement fee
The interest rates for Hong Leong Bank personal loans are from 5.00% p.a, 7% p.a and effective interest from 9.15% up to 9.35%. Terms and conditions apply.
About Hong Leong Bank HLB
Hong Leong Bank Berhad is a regional financial services company based in Malaysia, with presence in Singapore, Hong Kong, Vietnam, Cambodia and China. The Bank is technology-focused and emphasises the development of financial capabilities to serve its clients across the five geographies.
Hong Leong Bank Berhad (“HLB” or “the Bank”) is listed on Bursa Malaysia and forms part of the Hong Leong Group. Headquartered in Kuala Lumpur, the Bank has a strong Malaysian entrepreneurship heritage.
HLB was originally incorporated as Kwong Lee Mortgage and Remittance Company in 1905 in Kuching, Sarawak and later as Kwong Lee Bank Limited in 1934, bearing heritage of the oldest local financial institution in Malaysia.
Kwong Lee Bank Berhad was acquired by the MUI Group in May 1982 and renamed Malayan United Bank Berhad on 2 February 1983. In 1989, it was renamed as MUI Bank. Under the MUI Bank banner, it grew from 11 to 35 branches nationwide.
On 3 January 1994, Hong Leong Group acquired MUI Bank Berhad through Hong Leong Credit Berhad (now known as Hong Leong Financial Group Berhad) and renamed it Hong Leong Bank Berhad.
The Bank was listed on the Kuala Lumpur Stock Exchange (now under Main Market of Bursa Malaysia) on 17 October 1994 and since then has grown by leaps and bounds, organically as well as through mergers and acquisitions. Today the Bank is Malaysia’s fifth largest banking group by assets with over RM220 billion in assets as at 30 June 2020, and 4th largest by market capitalisation as at the same date.
Hong Leong Bank HLB Interest/Profit Rate and Installments
Interest/Profit Rate for Online Applications
Our rate is on a flat rate basis
Facility Amount
Verified Monthly Income
Flat Interest/Profit Rate
Facility Tenure
RM5,000 – RM250,000
(up to RM150,000 Personal Financing-i)
RM2,000 – RM4,999
7.00% p.a.
2 to 5 years
Note: The effective interest/profit rates vary as follows for loan/financing-i tenure from 2 – 5 years:
Flat interest/profit rate 5.00% p.a.: Effective interest/profit rates vary from to 9.15% p.a. to 9.32% p.a.
Flat interest/profit rate 7.00% p.a.: Effective interest/profit rates vary from to 12.50% p.a. to 12.91% p.a.
0.50% of the facility amount will be deducted upon disbursement for stamp duty payable.
Hong Leong Bank Interest/Profit Rate for Connect Online Banking Applications
Our rate is on a flat rate basis
Facility Amount
Verified Monthly Income
Flat Interest/Profit Rate
Facility Tenure
RM5,000 – RM250,000
(up to RM150,000 Personal Financing-i)
RM2,000 and above
5.00% p.a.
2 to 5 years
Note: Effective interest/profit rates vary from 9.15% p.a. to 9.32% p.a. depending on loan/financing-i tenures from 2 years to 5 years.
0.50% of the facility amount will be deducted upon disbursement for stamp duty payable.
Other Hong Leong Bank Profit Rates
HLB Interest/Profit Rate for Online Applications from 5.00% /p.a flat rate
Hong Leong Bank interest/ profit rate for online applications from 5.00% /p.a flat rate
Effective interest/profit rates vary from to 9.15% p.a. to 9.32% p.a.
Facility Amount RM5,000 – RM250,000
Verified Monthly Income RM2,000 – RM4,999: 7.00% p.a.
Facility Tenure: 2 to 5 years
Note: The effective interest/profit rates vary as follows for loan/financing-i tenure from 2 – 5 years:
HLB Interest/Profit Rate for Connect Online Banking Applications from 5.00% /p.a
Hong Leong Bank interest/ profit rate for Connect Online Banking Applications from 5.00% /p.a
Facility Amount RM5,000 – RM250,000
Verified Monthly Income RM2,000 and above
Profit Rate 5.00% p.a.
Facility Tenure 2 to 5 years
Note: Effective interest/profit rates vary from 9.15% p.a. to 9.32% p.a. depending on loan/financing-i tenures from 2 years to 5 years.
Citibank offers personal loan with competitive interest rates to cater your needs. Fast approval, no guarantor. Click here to apply!
Citibank Personal Loan Terbaik Summary
Bank Name: Citibank
Abbreviation / Code Name: –
Bank Promotion Name: General Info about personal financing
About Us
Citibank known as a truly global bank serve more than 200 million customers worldwide. Do more with your life with the extra money! You can now renovate your house, purchase new furniture, further study, shopping and holiday with our personal financing-i. The best value for money, low interest rate, low monthly repayment and many more. For more details, please click the below link.
Please note that the website you ‘re open now is dedicated to government employees only. To private sector workers, do not make a phone call to the mobile phone number stated on any pages appeared existing in this website as the hotline number is for public servants (GOVERNMENT) only. For private sector workers, soldiers, traders, government retirees who want to make a personal loan, please click Citibank personal loan financing-i for private sector. Please take note in this regard.
Whether it is decorating your dream home, pursuing a higher education or your dreams, Citibank Personal Loans lets you fulfill your personal needs. Apply for personal loans Online now and get instant approval* in 5 simple steps!
Product & Services
5 Steps to Apply Citibank Personal Loan Online
Complete our online application form and get instant approval*.
Complete the 5 simple steps below and be approved* instantly.
Step 1: Fill up your Contact details
Step 2: Fill up your Personal details
Step 3:Fill up your Employment details In Principle Approval* of your Personal Loan application
Step 4:Confirm loan terms that you wish to apply for
Step 5:Upload your income documents
*The loan amount, tenor and interest rate offered to you is based on your declared income during the online application. It may differ upon actual loan approval which is based on your income documentation submitted. Your loan application hereafter is still subjected to Citibank’s credit assessment.
Pinjaman Peribadi Citibank Berhad
Dikenali sebagai bank benar-benar global kepada lebih daripada 200 juta pelanggan worldwide. Lakukan lebih dengan kehidupan anda dengan wang tambahan ! Anda boleh lakukan lebih dalam hidup anda dengan duit tambahan. Anda boleh mengubahsuai rumah, membeli perabot dan peralatan rumah yang baru, membeli perabot baru, menyambung pelajaran, membeli-belah dengan pinjaman peribadi-i dan banyak lagi.
Sila ambil perhatian bahawa laman web yang anda sedang buka sekarang ini hanya terbuka kepada kakitangan kerajaan sahaja. Kepada pekerja swasta, jangan membuat panggilan telefon ke nombor telefon bimbit seperti dibawah ataupun yang ada dalam laman web ini kerana nombor talian tersebut adalah nombor hotline bagi penjawat awam sahaja. Bagi pekerja swasta, anggota tentera, peniaga, pesara kerajaan yang ingin membuat pinjaman peribadi, sila klik pinjaman peribadi Citibank untuk pekerja swasta. Harap maklum dan ambil perhatian dalam perkara ini.
Citibank Personal Loan Interest Rate / Profit Rate 7.9%/p.a
You can apply Citibank Personal Loan in 5 easy steps. Loan up to 8X gross monthly income @ max RM150,000. No processing fee. No guarantor. Click for more
There are many personal financing products provided to apply. The hottest loans are Cash Plus, Xpress Cash Financing-i, ASB Loan, Secured Overdraft and more.
About Cimb Bank
Apply Cimb Bank personal loan with fast approval and interest rate from 6.88%.
CIMB Group is a leading ASEAN universal bank and one of the region’s foremost corporate advisors. It is also a world leader in Islamic finance. The Group is headquartered in Kuala Lumpur, Malaysia, and offers consumer banking, commercial banking, investment banking, Islamic banking and asset management products and services. It is the fifth largest banking group by assets in ASEAN and, as at the end of September 2020, had around 34,000 staff and over 15 million customers.
Cimb Bank Personal Loan Financing
CIMB BANK CASH PLUS PERSONAL LOAN
An unsecured, hassle-free term loan to fulfill your dreams. No collaterals. No guarantors. Convenient repayment tenure up to 5 years and loan amount up to RM100,000. Fixed interest rates from as low as 6.88% to 14.88% fixed per annum which is equivalent to Effective Interest Rates of 12.31% to 24.51% per annum.
As low as 6.88% per annum*
Eligibility
Individuals aged 21 to 58 years old*
Malaysian citizen
Minimum monthly gross income of RM2,000
In employment for more than 6 consecutive months
For self-employed, business to be active for more than 24 months
*Maximum 60 years old upon maturity of loan tenure.
Cimb Bank Islamic Loan – Xpress Cash Financing-i
Enjoy fast and flexible financing up to 8X your gross monthly income (basic + fixed income) to make your dream a reality. It’s easy and hassle free! Individuals aged 21 to 60 years old*. Minimum Monthly Gross Income. Eligible with a minimum monthly gross income of RM800 (including variables, e.g., overtime and allowances).
Eligibility
Individuals aged 21 to 60 years old*
Malaysian citizen
No joint applications allowed
Minimum monthly gross income of RM800 (including variables, e.g., overtime and allowances)
At least 6 (six) months of employment or business establishment
Minimum financing amount offered is RM3,000 with Maximum RM50,000 or up to 8X gross monthly income (whichever is lower)
*Maximum 65 years old upon maturity of loan tenure
Others Personal Financing
CIMB Bank Personal Financing TERM FINANCING-i SECURED BY ASB CERTIFICATE
TF-i ASB based on the concept of Commodity Murabahah-Tawarruq which is secured by ASB Certificate, helps you to grow your wealth and achieve your financial goals.
Eligibility
Malaysian Bumiputera only
Individuals aged 18 years and above, with evidence of income only
Joint application is limited to parents/ spouse/ siblings/ adult children only
CIMB Bank Secured Overdraft Facility
A Facility that is made available in your CIMB Bank Current Account by pledging a collateral to the Bank.
Eligibility
Individuals aged 21 to 70 years old
Malaysian or residents with PR status residing in Malaysia
Owner of the collateral (free from any encumbrance)
Minimum collateral of RM10,000-00
*Overdraft limit dependent on collateral pledged
CIMB Bank Personal Loan Interest Rate / Profit Rate
CIMB BANK CASH PLUS PERSONAL LOAN 6.88% /p.a
No collaterals
No guarantors
Tenure up to 5 years
Loan amounts up to RM100,000.
*Maximum 60 years old upon maturity of loan tenure.
Cimb Bank Islamic Loan – Xpress Cash Financing-i
8x Gross Income
Minimum Amount Rm3,000
Max Amount Rm50,000
Gross Income Rm800
At least 6 months employment
*Maximum 65 years old upon maturity of loan tenure
TERM FINANCING-i SECURED BY ASB CERTIFICATE BR + 1.20% /p.a
Financing amount RM50,000 and above with tenure between 5 – 20 years 3.55% per annum [BR + 0.80% per annum]
Financing amount RM50,000 and above with tenure between 21 – 40 years 3.60% per annum [BR + 0.85% per annum]
Financing amount below RM50,000 3.75% per annum [BR + 1.00% per annum]
Current BR: 2.75% p.a. Promotion rate validity: Until 30 June 2021
CIMB BANK SECURED OVERDRAFT FACILITY BR+1.1-% /p.a
Personal OD Secured by Fixed Deposit BR + 1.10%
Personal OD Secured by Multiple Collateral BR + 1.60%
Personal OD Secured by Amanah Saham Bumiputera BR + 1.60%
At least 6 months employment
*Maximum 65 years old upon maturity of loan tenure
Bank Islam is the FIRST Islamic bank in Malaysia and has the widest network of dedicated Islamic banking channels. Click here for more info about personal loan from BIMB
Bank Islam Personal Loan Summary
Bank Name: Bank Islam Personal Loan
Abbreviation / Code Name: BIMB
Bank Koperasi Promotion Name: General Info about Bank Islam personal financing
The first Islamic Banking in Malaysia is Bank Islam Malaysia Berhad or knows as BIMB and is established in year 1983.
About Bank Islam Malaysia Berhad
Bank Islam is the first Islamic Banking in Malaysia. Offering wide range of personal loan to government and private sector
UNPARALLELED NETWORK OF ISLAMIC BANKING CHANNELS IN MALAYSIA
Bank Islam is the FIRST Islamic bank in Malaysia and has the widest network of dedicated Islamic banking channels, with more than 144 branches throughout the country. We are founded to provide banking and financial solutions that are based on the principles of Shariah, which focus on balancing Indvidual and social needs, as well as economic activities that promote justice as well as responsibility to the society and planet.
Over 35 Years of Service
1 July 1983 is a date of historic significance. It was when Bank Islam Malaysian Berhad or Bank Islam, in short, was officially established. The day marked the beginning of Islamic banking not just in Malaysia but also within the ASEAN region.
Bank Islam Personal Financing for Professional Program
Eligibility & Requirements
Applicant must be above 25 years old and not exceeding the retirement age at the end of payment period
Malaysian citizen
Working as a professional in Medical Doctor, Dentist, Accountant, Engineer, Lecturer, Architect, Safety Officer, Pharmacist, Veterinary, Optometrist or Optician, Quantity Surveyor and Actuary
Fixed income earner with a minimum gross income of RM3,500.
The Best Bank Islam Personal Loan Schemes
Bank Islam Personal Financing-i Non-Package
Eligibility
Applicant must be 18 years and not exceeding the retirement age at the end of payment period
Malaysian citizen
Earning a minimum fixed income of RM3,500 per month
Applicant must be a continued employee in any of the following:
Public Listed Companies
Bank Islam Personal Financing-i Package
Eligibility
Applicant must be 18 years and not exceeding the retirement age at the end of payment period
Malaysian citizen
Earning a minimum fixed income of RM2,000 per month
Applicant must be a continued employee in any of the following:
Government Sector
Selected Public Listed Companies
Subsidiaries of Government or Selected Public Listed Company
Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam
Bank Islam Personal Loan Interest Rate / Profit Rate
Bank Islam Personal Financing for Professional Program
Base Rate (BR) + 1.90%/p.a
Financing Quantum Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
Payment Period Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
Financing Rate Offer with Takaful Coverage Floating Rate 1-3 year: Base Rate (BR) + 1.90% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 2.11% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
Financing Rate Offer Without Takaful Coverage Floating Rate 1-3 year: Base Rate (BR) + 3.38% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 5.28% p.a (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
Bank Islam Personal Financing-i Non-Package 4.5% /p.a. (Flat)
Financing Quantum Based on eligibility limit and subject to minimum of RM10,000 and maximum amount of RM150,000
Payment Period Maximum 120 months (10 years) or up to the retirement age, whichever is earlier
Financing Rate Offer with Takaful Coverage Flat Rate 1 – 3 years: 4.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 4 – 8 years: 4.9% p.a (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 9 – 10 years: 5.50% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
Financing Rate Offer Without Takaful Coverage Flat Rate 1 – 3 years: 5.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 4 – 8 years: 5.9% p.a (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”) 9 – 10 years: 6.5% p.a. (Flat). (Profit is calculated on a monthly basis based on “Sum of Digit”)
Bank Islam Personal Financing-i Package
Base Rate (BR) + 3.38% /p.a
Features Financing Quantum Based on eligibility limit and subject to minimum amount of RM10,000 and maximum amount of RM300,000
Payment Period Maximum of 10 years (120 months) or up to the retirement age, whichever is earlier
Financing Rate Offer with Takaful Coverage Floating Rate (Base Rate [BR]) 1-3 years: Base Rate (BR) + 1.90% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 2.00% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
Financing Rate Offer Without Takaful Coverage Floating Rate (Base Rate [BR]) 1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). 4-10 years: Base Rate (BR) + 5.28% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”). Note: Revised BR (effective date 10 July 2020) is 2.52% p.a
Financing Rate Offer with Takaful Coverage Flat Rate 1-10 years: 4.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
Financing Rate Offer Without Takaful Coverage Flat Rate 1-10 years: 5.99% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
Monthly Repayment Table
Bank Islam Monthly Installment Table Personal Loan
Malaysia Building Society Berhad (MBSB) formerly known as Asian Finance Bank Berhad. For more information on financial products and services offered by MBSB Bank, kindly click here
MBSB Personal Loan Summary
Bank Name: MBSB Personal Loan
Abbreviation / Code Name:
Bank Promotion Name: General info
About MBSB Bank
Malaysia Building Society Berhad is the financial holding company of MBSB Bank Berhad, formerly known as Asian Finance Bank Berhad. For more information on financial products and services offered by MBSB Bank, kindly visit the website at www.mbsbbank.com
History in Brief
The origin of Malaysia Building Society Berhad can be traced back to the Federal and Colonial Building Society Limited incorporated in 1950. In 1956, it changed its name to Malaya Borneo Building Society Limited (MBBS), with the Malaysian government as its major shareholder. MBBS was then listed on the Stock Exchange of Malaya and Singapore in August 1963.
The company became an incorporation in Malaysia under the Companies Act 1965 on 17 March 1970, before it was listed on the Kuala Lumpur Stock Exchange, now Bursa Malaysia on 14 March 1972. The Employees Provident Fund (EPF) is currently the holding entity of MBSB.
Corporate Highlights
Has been granted with an exemption under Section 7(4) of the Borrowing Companies Act 1969 (BCA). As a result of the change from BCA to Finance Companies Act (FCA), all references to borrowing business and borrowing company were to be construed respectively as finance business and finance company. The FCA was later repealed by Banking and Financial Institutions Act 1989 (BAFIA). The BAFIA has been repealed and replaced with FSA 2013.
On 6 November 2017, entered into the Share Purchase Agreement with the shareholders of Asian Finance Bank Berhad (“AFB/Vendors”) for the proposed acquisition by MBSB of the entire equity interest in AFB for an aggregate purchase of RM644,952,807.66 to be satisfied by way of cash amounting to RM396,894,036.26 and the issuance of 225,507,974 Consideration Shares at an issue price of RM1.10 per Consideration Share (“the Acquisition”).
The Acquisition was approved by the shareholders on 23 January 2018. The shareholders also approved the transfer of Shariah Compliant Assets and Liabilities of MBSB to AFB via a Members’ Scheme of Arrangement. Pursuant to the abovesaid approval and upon completion of the transfer of shares and the payment of the balance of the purchase consideration to the Vendors, AFB became a wholly owned subsidiary of MBSB on 7 February 2018. AFB undertook a rebranding exercise on 2 April 2018 and changed its name to MBSB Bank Berhad.
Product & Services
MBSB Personal Financing-i
Learn about our Shariah compliant personal financing solutions through our host of attractive packages that best suit your financing needs.
Competitive financing rates
Financing amount of up to RM400,000
Financing tenure of up to 10 years
No guarantor required
No hidden charges
Fast approval
Applicable for public servant and private sector employees
MBSB Personal Loan Interest Rate for Public Sector Mumtaz-i BR + 2.15%/p.a
Financing Amount Financing amount of up to RM250,000
No guarantor required
Takaful coverage is optional
No early settlement charges
Fast Approval
Afdhal-i BR + 3.35%/p.a
Financing Amount Financing amount of up to RM400,000
No guarantor required
Takaful coverage is optional
No early settlement charges
Fast Approval
MBSB Personal Loan Interest Rate for Private Sector BR + 7.95%/p.a
Financing Amount Financing amount up to RM300,000
No guarantor required
Takaful coverage is optional
No early settlement charges
Fast Approval
Personal Loan Repayment Table
MBSB Personal Loan Repayment Table For Government Sector (Mumtaz-i)
Agrobank is a leader in agriculture financing and values-based banking based (VBI)* in Malaysia. Click here to apply personal loan and latest promotion!
Agrobank Personal Loan Summary
Bank Name: Agrobank Personal Loan
Abbreviation / Code Name: –
Bank Promotion Name: General Info about personal loan from Agrobank
Agrobank provides a comprehensive repertoire of financing solutions for the agriculture community; that includes upstream activities related to primary food and commodities-based agriculture activities to downstream activities such as processing, marketing and distribution of agricultural products. Also offers retail banking financing solutions to improve the well-being of the agriculture community.
Agrobank Personal Loan
Established in 1969, Agrobank is actively involved in charting the growth and development of Malaysia’s agriculture industry by offering shariah compliant products and solutions across various customer segments including corporate, commercial, consumer, trade finance and micro financing customers. This is a full-fledged Islamic bank since 1st July 2015.
As a market driven, customer centric DFI (Development Financial Institution) with a primary focus on strengthening the agriculture sector in Malaysia, Agrobank strikes an equal balance to its developmental and commercial roles to benefit the agriculture sector.
Agrobank provides a comprehensive repertoire of financing solutions for the agriculture community; that includes upstream activities related to primary food and commodities-based agriculture activities to downstream activities such as processing, marketing and distribution of agricultural products. It also offers retail banking financing solutions to improve the well-being of the agriculture community.
This is done through its network of 192 customer touch points including 138 branches, 1 agro banking, 1 virtual banking, 10 commercial financing centre, 34 kiosk, 8 agro corners & agro point. In 2019, Agrobank celebrates its golden jubilee Anniversary, as it marks 50 years of its proud establishment developing the agro industry.
* VBI or value-based intermediation is an initiative by Bank Negara Malaysia (BNM) which aims to improve the products and services offered by Islamic financial institutions towards a better facilitation of entrepreneurship, community well-being, sustainable environment and economic growth, without compromising on shareholders’ returns
Agrobank Consumer Product & Services
Hartani-i (Tawarruq)
Hartani-i provides financing facility to the Government Servant or Private Sector Employees and Stable Income Earner for the purpose to purchase agriculture land. Purchase of land includes directly purchase from the vendor or through public auction or purchase of land that will be or have been auctioned by Bank Pertanian Malaysia Berhad. The Bank will only consider the financing if the land to be purchased has the individual title or the land has been sub-divided and/or the land which individual title is to be issued.
Ar-Rahnu
Pembiayaan Ar-Rahnu is a short-term Islamic Pawnbroking Facility that provides customer with instant cash access by accepting gold items as collateral.
AgroCash-i
AgroCash-i is a personal financing facility for customers for the purpose of consumer financing mainly related to agriculture and agro-based activity. The implementation of the product is based on Tawarruq transactions.
Agrobank Personal Loan Interest Rate / Profit Rate Government Staff Personal Loan BR + 3.35% /p.a
Agrobank Personal Loan Interest Rate / Profit Rate Government Staff Personal Loan BR + 3.35% /p.a
Government Employees Age between 18 to 60 or up to retirement age whichever is earlier
Permanent and have served for at least 6 months (confirmed or under probation)
RM1,000 gross salary per month
Customer is encouraged to take Skim Takaful Kredit
Financing Amount : Maximum RM200,000
Financing Tenure 10 years maximum
GLC Staff Personal Loan BR + 3.67% /p.a
GLC Staff Personal Loan BR + 3.67% /p.a
GLC Staff Age between 21 to 60 or up to retirement age whichever is earlier
Permanent staff and has been confirmed with at least one year of service
RM2,000 gross salary per month
Customer is encouraged to take Skim Takaful Kredit
