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!
Looking for affordable personal financing? Alliance Bank offers a limited-time online exclusive rate of just 3.99% p.a. with minimal fees and fast approval. Whether you’re planning for the festive season, consolidating debt, or funding a big purchase — this is your chance to save more. Apply online today and lock in your low-rate financing before the offer ends!
Popular Personal Loans
Alliance 3.99%
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?
Quick approval process when applying online.
Affordable monthly instalments to manage your finances with ease.
Exclusive low interest rates available only for online applications.
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.
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.
History and Popularity
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.
Key Benefits
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).
Criteria and Terms
To apply, 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 Choose?
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.
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.
*Source: Alliance Bank official website
Hot & Trending Topic
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Ready to make better financial choices? Tap here to start your journey toward smarter spending.
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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!
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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!
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!
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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.
Popular Personal Loans
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.
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.
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.
With Guarantors
Specifications
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.
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
Without Guarantors
Specifications
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
Fees
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.
*Source: katmb.com.my official website
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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
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.
Introduction
History
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.
KOASMARA is inspired by one of our members who is also Malaysia’s Astronaut, YBhg. Datuk Dr. Sheikh Muszaphar Shukor, and have decided to not limit into just doing what ordinary cooperatives are doing.
For us, the sky is not the limit!
KOASMARA is a registered cooperative with Suruhanjaya Koperasi Malaysia. 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 and Mission
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.
Popular Programs
Education
DBA
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 KOASMARA
HQ
A-3-7 Centrio Pantai Hill Park 1 Jalan Pantai Murni 59200 Kuala Lumpur MALAYSIA
Tel: 0327850582
Embassy
Level 23, Menara MARA 223, Jalan Tunku Abdul Rahman 50100, Kuala Lumpur MALAYSIA
International
INDONESIA
Menara BCA Jakarta Tel: +62 (857) 22245553
BOSNIA HERZEGOVINA
Alije Izetbegovica Breza Tel: +387 (62) 875563
*Source: koasmara.org official website
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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
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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!
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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
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…
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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,…
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 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))….
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 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.
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Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu (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.
Pengenalan
Sejarah
Permohonan untuk menubuhkan 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
Fungsi utama 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 ialah di 510A, Diamond Complex, Bangi Business Park, Bandar Baru Bangi, 43650 Bangi, Selangor Darul Ehsan.
Keanggotaan
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 telahpun memajukan dokumen-dokumen yang berkaitan kepada Suruhanjaya Koperasi Malaysia (SKM) untuk didaftarkan.
Perjalanan aktiviti dan pendaftaran anggota KOPANISZA hanya boleh dibuat selepas mendapat kelulusan pendaftaran daripada SKM.
Hubungi KOPANISZA
Alumni UniSZA Pejabat Hal Ehwal Pelajar & Alumni Universiti Sultan Zainal Abidin Kampus Gong Badak 21300 Kuala Terengganu.
Tel: 09-6687934
*Source: alumni.unisza.edu.my official website
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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
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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 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.
Popular Personal Financing
Among the advantages that you can enjoy if you apply for 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.
Education
Interest rate 5%
Max loan up to RM30,000
Repayment up to 72 months
Approval 24-48 hours only!
Creadit 5.00% /p.a
Interest rate 5%
Up to 90% financing
Fast approval 24-48 hours only!
Repayment 120 months
Vehicle Insurance 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
Consumer/ Travel 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!
With Guarantor 5.00%/p.a
Interest rate 5%
Max loan amount RM100,000
Fast approval 24-48 hours only!
Repayment 120 months
Emergency 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 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
*Source: kopgurusekindiaperak.blogspot.com official website
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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)
Koperasi Pengusaha Pekerja Malaysia Berhad (KPPMB) offers Shariah-compliant personal financing based on Tawarruq and Murabaha concepts, with competitive low rates. As a recognized member of Angkasa Berhad Sharia Financing Cooperative since January 27, 2015, KPPMB provides trusted financial solutions for Malaysian workers and entrepreneurs.
Explore your options and apply for ethical personal loans today—KPPMB is here to support your financial journey!
Introduction
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.
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.
Popular Personal Loans
Tawarruq
Tawarruq 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
Murabaha 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.
#koperasi #personalloan #KPPMB
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Koperasi Nesa Pelbagai Berhad supports Malaysian communities through education funding, BSN banking facilities, and affordable housing schemes. Whether you’re planning for your future or seeking financial support, this cooperative offers trusted solutions tailored to your needs.
Discover how Koperasi Nesa Pelbagai can empower your journey—view full details and apply today!
Introduction
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
Popular Loan Scheme
Mortgage and surety loans to 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.
Services
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
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
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
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 who 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.
No. 16-3, Jalan 14/48A, the Boulevard Sentul Raya Off Jalan Sentul, <br.51000, Kuala Lumpur
Opening Hours: 8.30am-5.30pm (Monday-Friday)
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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) leads the way in education-based programs that foster innovation for the Industrial Revolution 4.0. With personal loan options tailored for graduates, KSBB supports your academic and financial journey.
Apply for your personal loan today and unlock future-ready opportunities with KSBB—contact us now to get started!
Introduction
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.
KSBB 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
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
Popular Personal Loans
Interest-Free Education Loan
Koperasi Siswazah Bangi Berhad offers** KSBB’s Interest-free Education Loan for undergraduates of the Executive UKM Master of Education (School Leave Mode)
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
Hashtag / Keywords
#koperasi #personalloan #KSBB
Contact 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
Opening Hours: Monday to friday 8am to 6pm
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Koperasi BUMIRA Malaysia Berhad offers six personal financing packages including cash loans and umrah loans, with options for Hari Raya Aidilfitri, Aidiladha, education, and more. Learn more about this trusted cooperative.
Introduction
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.
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.
Popular Personal Loans
Based on current promotion:
PEMBIAYAAN KHAS (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 Had Maksima: RM 3,500.00. 1 copy of MyKad, March & April Salary Slip and related documents.
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
PEMBIAYAAN KHAS BASIKAL
PEMBIAYAAN KHAS (UMRAH & ZIARAH) 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.
Koperasi BUMIRA Malaysia Berhad. Lot 3.28 & 3.29, Tingkat 2, Medan Mara, Jalan Raja Laut, 50350 Kuala Lumpur
Hot & Trending Topic
Looking to take control of your loans and spend smarter? We’ve got you covered with practical tips on handling bank loans, co-op financing, and managing your money with ease.
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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
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
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.
Koperasi Kakitangan Felda Malaysia Berhad (FELKOP)
Felkop Koperasi Kakitangan Felda Malaysia Berhad is one of the best cooperatives in Malaysia that provide 12 types of personal financing and other benefited services to its members. Find out more here!
Introduction
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)
Membership
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.
#koperasi #personalloan #Felkop
Contact Felkop
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
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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%)
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 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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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
Koperasi Kakitangan Bank Pertanian Malaysia Berhad (KoBPM)
Looking for reliable credit financing? KoBPM now offers personal loans up to RM50,000 with competitive interest rates and transparent terms. Whether you’re planning a major purchase or need financial support, KoBPM is here to help.
Click here to get the latest information and start your application today!
Introduction
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.
Services
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 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 Pn.Aida at 03-8733 2597.
Popular Personal Loans
Credit Financing
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.
5.75% Financing
Terms and conditions are: –
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)
5.75% Special
Criteria are: –
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
Details are:
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
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)
Terms and conditions:
RM25,000 Maximum
7 Days Process Duration
No 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)
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
#koperasi #personalloan #KoBPM #KoperasiServices
Contact KoBPM
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
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Discover how KOBIS can support your journey – read here for more information!
Introduction
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 and Mission
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
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
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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% 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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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
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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 Usahawan Bersatu Ipoh Perak Bhd (KOPUBI) offers one of the most trusted and accessible personal loan programs in Malaysia, tailored for its cooperative members. With competitive interest rates, micro credit options, and Shariah-compliant schemes like Bai’ al-Inah, KOPUBI is committed to helping you achieve financial stability and growth. Ready to transform your financial future? Join KOPUBI and explore your loan options today – click here for more info!
Introduction
Let’s Join Koperasi Usahawan 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 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 are micro credit loans to members, business in the field of marketing and investment in the field of real estate.
Popular Personal Loans
Micro Credit
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 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 Board members also aim to increase the loan to RM250,000 when the financial performance reaches a truly convincing level and the cooperative records a multiplied profit.
KOPUBI Bai’ Al-Inah
i-Mikro Bai’ Al-Inah is good news for all Perak residents, as one of the viable Entrepreneur Cooperatives in Ipoh City is pleased to inform that the i-Mikro Bai ’Al-Inah is now open to all.
We understand the needs of Koperasi members who may need additional working capital to develop their business or may sometimes need additional money for emergency purposes and so on.
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
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
The guarantor:
Has been a member 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.
#koperasi #personalloan #KOPUBI
Contact KOPUBI
WhatsApp: 011-6568 3924
Tel: 05-322 7297
57B, Susunan Stesen 18, Station 18, 31650 Ipoh, Perak
Opening Hours: Monday to Friday 9.00am-5.30pm
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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.
Jom sertai Koperasi Muslimin Malaysia Berhad KMMB kerana banyak kelebihan yang anda perolehi. Maklumat lanjut disini.
Introduction
Hasratnya adalah untuk menjadi institusi kewangan yang unggul melalui gerakan Koperasi dengan memberikan perkhidmatan terbaik kepada anggota-anggotanya.
Atas kesedaran betapa perlunya sebuah institusi kewangan Islam sebagai satu alternatif kepada sistem kewangan yang ada, maka pada 22 November 1980, atas daya usaha Persatuan Ulama’ Malaysia (PUM), maka tertubuhlah Koperasi Muslimin Malaysia Berhad KMMB.
Islam sentiasa menganjurkan umatnya supaya mengamalkan prinsip kerjasama dalam semua aktiviti dan kegiatan hidup yang harus, termasuk bidang perekonomian. Bertolak dari sinilah, Koperasi akan berusaha dan berjuang untuk menegakkan sistem ekonomi yang berlandaskan Islam.
Visi
Untuk menjadi koperasi Islam terunggul yang mendapat keredhaan ALLAH S.W.T Misi
Menjalankan muamalah Islamiah secara berkoperasi dalam bidang ekonomi, tarbiah, dan kebajikan sebagai ibadah.
Matlamat
Penglibatan secara bersama dalam bidang ekonomi, tarbiah, dan kebajikan dengan tujuan melaksanakan syariat dan mengharap keredhaan Allah S.W.T
Objektif
Melaksanakan amanah dengan memenuhi objektif pemegang kepentingan (Stakeholders)
Pinjaman Peribadi Popular
Bai Bithaman Aajil
Pinjaman Bai Bithaman Aajil dari KMMB meliputi pinjaman Rumah/Tanah iaitu pembiayaan, membeli tanah, membeli rumah dan membina rumah atau mengubahsuai rumah. Nilai pembiayaan sehingga RM300,000 (kaveat / PA).
Pinjaman Bai Bithaman Aajil yang kedua meliputi pembiayaan kenderaan iaitu pembiayaan, membeli kenderaan baru, membeli kenderaan terpakai dan amaun pinjaman yang dibenarkan adalah Pembiayaan sehingga RM100,000.
Pinjaman Bai Bithaman Aajil yang ketiga meliputi pembiayaan Peralatan. Pinjaman peralatan yang dibenarkan adalah pembiayaan, membeli perabot, membeli barangan elektrik / komputer, membaiki / alat ganti kenderaan dan membaiki / alat ganti rumah.
Selain itu pembiayaan peralatan yang disediakan adalah seperti membeli peralatan persekolahan, membeli peralatan perniagaan, membeli barangan perniagaan dan amaun Pembiayaan sehingga RM25,000.
Pembiayaan Perkahwinan
Pakej Perkahwinan adalah seperti perunding perkahwinan, tempahan kad jemputan, katering, khemah / Kanopi, Dewan / Hotel, jurugambar profesional dan sewaan P.A sistem. Perkara lain yang dibolehkan adalah mestilah perkhidmatan yang tidak bercanggah dengan syara’.
Pembiayaan sehingga RM30,000
Pembiayaan Umrah Ziarah
Pembiayaan yang disediakan oleh Koperasi Muslimin Malaysia Berhad KMMB adalah pakej Umrah, pakej Pelancongan, pakej Seminar / Mesyuarat dan pakej Hotel
Skim Al-Qardhul Hasan
Pinjaman akan diberikan sehingga RM5000 dengan tujuan pendidikan & perubatan tanpa caj keuntungan. Kelayakan bergantung kepada gaji & tempoh persaraan.
How to Apply
To apply:
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.
Skim Bantuan dan Produk
Terdapat banyak skim bantuan dan juga produk koperasi sediakan khusus untuk anggota-anggotanya. Ini dapat diterangkan seperti dibawah:
Al Abrar
Skim Anugerah Pendidikan Cemerlang
Skim Anugerah Pendidikan Cemerlang Koperasi Muslimin Malaysia Berhad KMMB pula meliputi kategori seperti Hafiz Al-Quran – 30 Juzu’ RM2,000, PhD – Anggota sahaja RM2000, Ijazah Sarjana – Anggota sahaja RM1,500, Ijazah Kepujian Kelas Pertama RM1000 dan Diploma / Matrikulasi RM300
Untuk kecemerlangan di peringat sekolah adalah STPM (4A) / STAM (Mumtaz) RM300, SPM (9A+ / A) / SMU (Mumtaz) RM200, PMR (8A / 9A) & PMRU RM100 dan UPSR (5A)) RM50.
Pemohon mesti menyertakan lampiran seperti Sijil / Ijazah & Transkrip yang berkaitan (Salinan disahkan), salinan kad pengenalan pemohon & anak dan salinan sijil nikah (Suami / Isteri)
Skim Bantuan Khairat Kematian
Kategori
Skim bantuan Khairat Kemation terdiri dari3 kategori. Bagi anggota koperasi, anggota akan mendapat sumbangan sehingga RM5,000. Bagi suami / isteri akan mendapat sumbangan RM500 dan anak (Lelaki <= 18 / Perempuan belum berkahwin (RM300).
Bagi ibu / bapa anggota akan mendapat RM200.
Anggota atau pemohon perlu menyediakan lampiran bersama-sama ketika membuat permohonan iaitu sijil kematian / permit perkuburan, salinan sijil kelahiran pemohon (jika ibu yang meninggal) dan salinan sijil nikah (suami / isteri). Selain itu, anggota perlu menyertakan salinan kad pengenalan penerima sumbangan
Skim Bantuan Musibah
Kategori
Kemalangan yang kritikal
Bencana Alam
Kebakaran
Penyakit Kronik
Kelulusan & Kadar
Berdasarkan tahap kerugian yang ditanggung
https://koperasimuslimin.com.my
#koperasi #personalloan #KMMB
Hubungi Koperasi Muslimin
Tel: 03-4021 0033
muslimin@koperasimuslimin.com.my
Fax: 03-4021 4099 / 5227
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
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Pinjaman peribadi Maybank Berhad adalah bank terbaik untuk penjawat awam dan swasta. Shariah compliant. Apply koperasi dana MBB. Dapatkan info lanjut untuk mohon.
Pengenalan
Maybank Berhad (Malayan Banking Berhad) atau singkatannya MBB merupakan bank yang paling terkenal di Malaysia. Bank yang mempunyai banyak cawangan di seluruh negara dan 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 ansuran pinjaman peribadi, ansuran bulanan sewa beli kereta, 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 pembayaran secara online 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 Popular
Bank terkemuka di Malaysia yang menawarkan pelbagai produk dan perkhidmatan seperti pinjaman peribadi, pinjaman perumahan, 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.
Terbuka kepada kakitangan kerajaan berjawatan tetap dan polis sahaja.
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
Koperasi dengan Usahasama Maybank
Kowamas MBB
Pinjaman peribadi Kowamas (Koperasi Wawasan Malaysia Berhad) telah lama diwujudkan dengan dana kewangan dari Maybank. 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.
Ukhwah Maybank
Pinjaman peribadi Koperasi Ukhwah adalah antara koperasi yang popular di Malaysia. Dana pembiayaan ini dibekalkan dari Maybank. Jadi kriteria dan tatacara permohonan pembiayaan ini uga adalah lebih kurang sama dengan pinjaman peribadi Kowamas.
Koperasi Ukhwah dan Kowamas
Bagi yang bekerja di sektor swasta pula bolehlah berhubung terus dengan cawangan Maybank yang berhampiran dengan anda kerana pembiayaan menerusi koperasi Ukhwah dan Kowamas adalah terhad kepada penjawat awam (kakitangan kerajaan) sahaja.
Bagi yang menginginkan interest rate rendah, kedua-dua koperasi yang dinyatakan amat sesuai sekali untuk anda cuba. Terdapat juga koperasi lain yang mendapat dana dari bank menawarkan interest rate yang competitive. Tetapi proses yang lambat dan kadar kelulusan rendah menyebabkan pelanggan telah beralih kepada koperasi yang mudah dan cepat seperti Yayasan Ihsan Rakyat (YIR) dan Koperasi Petronesa HDM.
Malayan Banking Berhad Menara Maybank, 100, Jalan Tun Perak, 50050 Kuala Lumpur, Malaysia
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Looking for a personal financing solution that fits your lifestyle? UOB Bank offers competitive interest rates, fast approval, and flexible repayment plans designed for government employees, GLC staff, and selected professionals. Whether you’re planning a major purchase, consolidating debt, or funding personal goals, UOB makes it simple and stress-free.
No guarantor required. Trusted banking across Malaysia.
Ready to take the next step? Click below to check your eligibility and apply today with confidence.
Popular Personal Loans
UOB 9.99%
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
Monthly Installment Plan
UOB Bank 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
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 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
*Source from UOB malaysia website
#personalloan #Bank #UOB
Contact UOB Bank
Tel: 03-2612 8121
Menara UOB Bank Jln Raja Laut, Kuala Lumpur City Centre, 50350 Kuala Lumpur
Opening Hours: 9.30am-2pm Monday to Friday
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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,…
Bank Islam Malaysia Berhad (BIMB) Bank Islam Malaysia Berhad (BIMB) offerings Personal Financing Loan for permanent and contract for Government and Business Loan. Find out…
AgroBank Looking for a reliable and Shariah-compliant personal financing solution? AgroBank Cash-i offers up to RM200,000 in financing exclusively for government employees and selected GLC…
RHB Bank is providing the best personal loans to government servants and private sector. Max RM150,000. Instant approval. Apply now!
Introduction
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.
Popular Personal Loans
RHB 8.18%
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.
For Government Servants
Criteria:
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
For Private
Get access to funds, easier and faster. Contact the nearest branches today for more details.
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
Eligibility:
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:
Self-payment or Auto-debit available.
Debt Consolidation option to streamline multiple loan repayments.
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?
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.
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.
*Source from RHB Bank malaysia website
#personalloan #Bank #RHB
Contact RHB
To learn more or apply for 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!
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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
Looking for ethical and flexible financial solutions? KFH offers Shariah-compliant personal financing tailored for government employees, GLC staff, and selected professionals. With competitive profit rates, no guarantor required, and fast approval, KFH is your gateway to financial peace of mind.
Whether you’re consolidating debt, planning a major purchase, or funding personal goals—KFH makes it simple, secure, and Syariah-compliant.
Global expertise. Local trust. Islamic banking at its finest.
Ready to apply? Read more to check your eligibility and start your application today.
Popular Personal Loans
Cashline-i
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.
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.
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. Payout 100% with loan amount up to RM200,000. Interest rate only 3.88% per annum. Salary deduction. Fresh loan or overlap. Interest rate just 3.88% p.a.
Advantages
Among the advantages that you can enjoy:
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.
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%
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).
Kuwait Finance House (Malaysia) Berhad Address: Level 26, Menara Prestige, 1, Jalan Pinang,P.O.Box 10103, 50450 Kuala Lumpur, Malaysia.
Opening Hours: 9.30am-4.30pm (Monday-Friday)
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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!
Introduction
For those seeking competitive profit rates and Islamic loan options, look no further. It is tailored for all types of individuals, including professionals across various sectors. Enjoy peace of mind with personal financing and highly competitive monthly installments. In addition to personal loans, Bank Islam also offers other services such as credit cards, housing loans, Home Financing-i, and more.
Bank Islam is the first Islamic Banking in Malaysia. Offering wide range of personal loan to government and private sector
UNPARALLELED NETWORK
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.
Popular Personal Loans
Cash Line-i
The 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
Cash Line-i Secured
The 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
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”)
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”)
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”).
Package
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)
Professional Program
Financing Quantum
Base Rate (BR) + 1.90%/p.a
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
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
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.
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.
Bank Islam Malaysia Berhad Level 32, Menara Bank Islam No. 22, Jalan Perak 50450 Kuala Lumpur
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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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AgroBank Looking for a reliable and Shariah-compliant personal financing solution? AgroBank Cash-i offers up to RM200,000 in financing exclusively for government employees and selected GLC…
Looking for a reliable and Shariah-compliant personal financing solution? AgroBank Cash-i offers up to RM200,000 in financing exclusively for government employees and selected GLC staff. With competitive profit rates and flexible repayment options, it’s the smart way to access funds when you need them most.
Introduction
Tawarruq
The implementation is based on the Tawarruq transactions.
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
Popular Personal Loans
Cash-i
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)
*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%
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.
Agrobank Malaysia My office Leboh Pasar Besar, City Centre, 50050 Kuala Lumpur
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Looking for the best personal loan in Malaysia? OCBC Bank offers Shariah-compliant financing, competitive interest rates, and flexible monthly payments—perfect for your financial needs. Apply today and enjoy hassle-free approval backed by trusted banking excellence.
Get started now with OCBC personal loan—your smart choice for affordable financing!
Overview
OCBC Bank that all you need. 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
Popular Personal Financings
Al-Amin
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.
Call us at 03 8317 5000
#personalloan #bank #OCBC
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Alliance Bank Looking for affordable personal financing? Alliance Bank offers a limited-time online exclusive rate of just 3.99% p.a. with minimal fees and fast approval.…
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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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Looking for a reliable personal loan with the best rates? SPAN employees—whether permanent or contract—can now apply for financing with Biro Angkasa (BPA) salary deduction. Apply today and enjoy fast, secure, and flexible financial support tailored for government-linked staff.
About
Overview
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
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.
#personalloan
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Bekerja di MPOB? Anda kini layak untuk memohon pinjaman peribadi dengan faedah rendah dan kelulusan tinggi melalui koperasi terpilih. Pembiayaan fleksibel, payout menarik, dan proses yang mudah. Mohon sekarang dan mulakan langkah bijak untuk kestabilan kewangan anda.
Pengenalan
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.
Pembiayaan Kakitangan
Salam sejahtera semua! Entry kali ini kami akan memperkenalkan promosi pinjaman peribadi kepada kakitangan Malaysian Palm Oil Board (MPOB). Promosi ini terhad dan ada tempoh masanya kerana pembiayaan koperasi mempunyai tempoh masa tertentu untuk pemohon memohon pembiayaan.
Buat masa ini, pinjaman yang ditawarkan bagi yang berjawatan tetap sahaja. Bagi pekerja kontrak atau jawatan sementara tidak layak memohon. Terus hubungi kami untuk mengetahui samada pakej pembiayaan yang sesuai 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.
*Source from MPOB official website
#personalloan
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Koperasi Permodalan Usahawan Nasional Berhad – KPUNB menawarkan personal loan popular dengan pembiayaan RM200,000 blacklist lulus. Mohon sekarang!
Pengenalan
KPUNB merintis pembiayaan kerajaan. 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.
Pengalaman
Apabila semua dokumentasi berkaitan pinjaman peribadi sudah siap dan dihantar ke pejabat Koperasi Permodalan Usahawan Nasional Berhad, tempoh memproses borang adalah dalam masa 2 minggu dari tarikh penghantaran borang. Apabila permohonan pembiayaan anda lulus, maka pihak KPUNB akan menghubungi pemohon bagi urusan akad jual beli. Ini adalah koperasi yang mula-mula memperkenalkan proses akad kepada pemohon/pembeli setelah permohonan pinjaman peribadi pemohon lulus.
Ketelusan dan kebolehpercayaan amatlah di titikberatkan dalam setiap permohonanini. Jika terdapat tandatangan yang tidak clear samada dari pemohon atau dari pegawai yang menandatangani borang pengesahan pembiayaan, pihak pemohon haruslah membuat semula borang tersebut sehingga benar-benar lengkap.
Pinjaman Peribadi Popular
KPUNB Dana Sendiri
Sangat popular dan mempunyai operasi yang menguntungkan sehinggga KPUNB ini boleh 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.
KPUNB Dana Al-Rajhi
Pembiayaan kewangan 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.
#koperasi #pinjamanperibadi #personalloan #KPUNB
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Jangan lepaskan peluang untuk mohon pinjaman peribadi KoKuasa melalui potongan Biro Angkasa, walaupun anda mempunyai komitmen tinggi, rekod CCRIS, CTOS atau AKPK. KoKuasa memahami keperluan anda dan menawarkan kelulusan yang fleksibel serta proses permohonan yang mudah. Mohon sekarang dan semak kelayakan anda secara percuma – bantu capai kestabilan kewangan anda dengan lebih yakin!
Pengenalan
Potongan pembiayaan adalah melalui potongan biro angkasa (bpa). Mesti mendapat pengesahan majikan dan dokumen mestilah lengkap untuk diproses. Dokumen yang tidak lengkap tidak akan dilayan. 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 pembiayaan Kokuasa,anda hanya perlu WhatsApp ke nombor telefon dalam laman web ini. Pihak kami akan terus memaklumkan kepada tuan/puan dari semasa ke semasa jika terdapat promosi terhebat. 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 pinjaman peribadi bermakna anda akan mendapat duit yang banyak dalam sekelip mata tetapi cairan wang gaji anda setiap bulan akan berkurangan dan terus berkurangan dari tahun ke tahun.
Tambah Pinjaman Bermakna Menambah Komitmen
Tidak ramai di antara kita yang tidak sedar dengan istilah di atas iaitu ‘tambah pinjaman 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 permohonan, tempoh pembiayaan 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, tempoh pembiayaan 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 maksima sehingga 10 tahun atau 20 tahun kerana anda yakin masalah anda dapat diselesaikan dalam masa 3-5 tahun. Manakala contoh pinjaman jangka panjang 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.
Nak tahu cara urus pinjaman dengan lebih bijak? Kami kongsikan info penting tentang pinjaman bank, koperasi, dan cara urus wang dengan lebih mudah. Klik untuk teruskan membaca dan mula ubah cara anda berbelanja.
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Jangan biarkan rekod Intransit menghalang anda daripada mendapatkan bantuan kewangan. KKMB menawarkan pinjaman peribadi terbaik untuk kakitangan kerajaan dan GLC yang menghadapi kesukaran kelulusan di tempat lain. Dengan proses permohonan yang mudah, kadar faedah berpatutan dan kelulusan fleksibel, KKMB sedia membantu anda capai kestabilan kewangan. Mohon sekarang dan semak kelayakan anda secara percuma – peluang anda untuk lulus bermula di sini!
Pengenalan
Rasional logo Koperasi Konsumer Malaysia Berhad. 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 pinjaman persendirian atau pembiayaan Islam Koperasi Konsumer Malaysia Berhad.
Pinjaman Peribadi
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.
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).
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.
Alamat: 34, Jalan Tun Sambanthan 3, Brickfields, 50470 Kuala Lumpur
Opening Hours: 9am-5pm Monday to Friday
Topik Terhangat & Trending
Nak tahu cara urus pinjaman dengan lebih bijak? Kami kongsikan info penting tentang pinjaman bank, koperasi, dan cara urus wang dengan lebih mudah. Klik untuk teruskan membaca dan mula ubah cara anda berbelanja.
Pinjaman Peribadi IDSB RHB Pinjaman peribadi IDSB, melalui i-Destinasi / Ikhtiar Destinasi Sdn Bhd, adalah pinjaman patuh syariah dengan kadar interest serendah 3.99%. Dengan proses…
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Pinjaman Peribadi Koperasi UTM Berhad (KUTMB) Koperasi Universiti Teknologi Malaysia Berhad (KUTMB) menawarkan pinjaman peribadi Al-Qard dan Al-Bainah kepada anggota dengan maksimum RM150,000. Mohon pinjaman…
Koperasi Tentera KT (KATMB) Pinjaman peribadi Koperasi Tentera KT (KATMB) ditujukan kepada anggota tentera Angkatan Tentera Malaysia (ATM) dengan interest rendah dan tempoh pinjaman panjang.…
Pinjaman Peribadi Koperasi Pertanian (KOTANI): Mohon Sekarang! Dapatkan pinjaman peribadi dari Koperasi Pertanian KOTANI dengan kadar faedah yang istimewa dan syarat yang fleksibel. Nikmati kemudahan…
Koperasi TNB: Pinjaman Peribadi Anggota Mohon pinjaman peribadi Koperasi TNB Bai Al Inah dan Qard tanpa penjamin, dengan jumlah pembiayaan yang tinggi dan syarat yang…
Kakitangan Kementerian Dalam Negeri kini boleh menikmati kemudahan pinjaman peribadi patuh Syariah dengan kadar faedah rendah, bayaran bulanan fleksibel, dan kelulusan pantas sehingga RM200,000. Sesuai untuk pelbagai keperluan kewangan — dari pembelian penting hingga penyelesaian hutang. Mohon sekarang dan semak kelayakan anda secara percuma!
Pengenalan
Jom apply pinjaman peribadi bagi yang bekerja di Kementerian Dalam Negeri (KDN). 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 sebelum semua urusan dilakukan. Tidak mendapat pengesahan majikan dari Kementerian Dalam Negeri bererti anda tidak layak memohon walaupun anda masih mempunyai peratusan baki gaji yang banyak untuk mendapatkan pembiayaan dari bank dan koperasi.
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 Popular
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.
#pinjamanperibadi
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Kebankrapan Penjawat Awam Penjawat awam juga berisiko menghadapi kebankrapan akibat tekanan kewangan seperti hutang kad kredit, bil perubatan, atau cukai tertunggak. Memfailkan kebankrapan boleh menjadi…
Muflis Muflis boleh berlaku kepada sesiapa sahaja—terutama bila berdepan dengan kehilangan kerja, bil perubatan yang tinggi, atau tekanan kewangan lain. Ia bukan sekadar tentang hutang,…
Kebankrapan Kebankrapan bukan sekadar isu kewangan—ia boleh menggugat kestabilan hidup secara menyeluruh. Dari kehilangan akses kredit hingga tekanan emosi dan reputasi yang tercalar, kesannya amat…
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Mohon pinjaman peribadi khas untuk staf KBS hari ini – pembiayaan patuh Syariah sehingga RM200,000, dengan kadar faedah rendah, tempoh bayaran fleksibel dan kelulusan pantas. Direka khusus untuk kakitangan Kementerian Belia dan Sukan. Semak kelayakan anda sekarang dan dapatkan tunai segera untuk keperluan kewangan anda!
Sejarah Penubuhan
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 untuk kakitangan KBS. Jawatan tetap atau kontrak dialu-alukan untuk memohon. 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.
Cara Mohon
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.
#pinjamanperibadi #personalloan
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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!
Contact Yayasan Ihsan Rakyat
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 Us?
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!
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Start improving your financial habits today—click to explore the guide.
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Mohon Pinjaman Peribadi IDSB (Ikhtiar Destinasi) hari ini – pembiayaan patuh Syariah sehingga RM200,000 dengan kadar faedah rendah dan proses pantas. Sesuai untuk kakitangan kerajaan & GLC. Hubungi kami sekarang untuk semakan kelayakan percuma!
Pengenalan
Ikhtiar Destinasi Sdn Bhd 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 IDSB tetap dengan promosinya yang istimewa. Promosi tersebut adalah payout 100% yakni peminjam dapat penuh dari jumlah loan yang dipohon.
Pembiayaan Terhebat Dulu & Kini
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!
Pertama Dalam Malaysia
Bayangkan sekiranya pemohon yang terdiri dari penjawat awam membuat pinjaman sehingga nilai maksima 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. Inilah pembiayaan yang pertama di Malaysia.
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 penangan Ikhtiar Destinasi!
Selalu Outstation
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 permohonan 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 Ikhtiar Destinasi dimata penjawat awam Malaysia. 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 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 Popular
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.
MTQ IDSB 3.99%
Product terbaharu dikenali sebagai MTQ IDSB. Kriteria pembiayaan seperti berikut:
Jumlah pembiayaan antara 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%.
Tempoh pembiayaan dipendekkan kepada 10 tahun maksima.
Tidak boleh buka akaun kedua. 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.
I-Destinasi 3.99% 100% Payout
Pembiayaan peribadi IDSB ini yang sangat popular kerana menawarkan pembiayaan Islamik 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 mengikut prinsip syariah antarabangsa. Urusan jual-beli akad akan dilakukan melalui panggilan telefon kepada pemohon.
Kadar keuntungan adalah rata 3.99%.
Payout 100% (peminjam 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.
Proses dalam masa 2-4 minggu.
Pembiayaan i-RHB
Pembiayaan i-RHB Islamik menggunakan konsep Murabahah melalui Tawarruq, dengan kadar keuntungan yang sangat menarik:
3.15% setahun untuk tempoh 2 tahun.
3.99% untuk tempoh 3 hingga 10 tahun (kadar flat rate).
Jika anda memilih tempoh 10 tahun, kadar keuntungan tetap 3.99% sepanjang tempoh pembiayaan.
Bagi kakitangan kerajaan negeri atau GLC terpilih, anda berpeluang menikmati kadar 3.50% untuk tempoh 2 tahun. Jika memilih tempoh yang lebih lama (3-10 tahun), kadar keuntungan akan meningkat kepada 4.50%. Semua potongan gaji akan dilakukan melalui potongan gaji majikan (PGM).
Ciri-Ciri
Kadar keuntungan yang sangat rendah, serendah 3.15% setahun.
Pembiayaan maksimum sehingga RM200,000.
98% nisbah payout, yang lebih tinggi berbanding bank-bank lain.
Tempoh pinjaman fleksibel sehingga 10 tahun.
Potongan gaji automatik memudahkan pembayaran bulanan tanpa perlu risau.
Tiada penjamin, cagaran, atau yuran pentadbiran.
Mengapa Pilih?
98% payout, lebih tinggi daripada banyak bank lain.
Peluang untuk menyelesaikan hutang tertunggak daripada bank atau koperasi lain.
Tiada bayaran tersembunyi dan proses permohonan yang mudah.
Perbandingan dengan Bank Lain
Bank RHB: 98% payout yang lebih tinggi dan boleh menyelesaikan hutang tertunggak.
Bank lain: Payout hanya 84% hingga 95% dan tidak dapat menyelesaikan hutang tertunggak.
Syarat Kelayakan
Warganegara Malaysia, berumur antara 18 hingga 58 tahun pada tamat tempoh pinjaman.
Kakitangan kerajaan yang mempunyai slip gaji kerajaan layak memohon tanpa masalah.
Kakitangan kerajaan negeri (contohnya SUK Pahang, PKNS, SUK Selangor, SUK Sabah/Sarawak) juga layak memohon.
Hubungi Kami
RHB Bank
Alamat: Ground Floor, RHB Bank Centre, 426, Jln Tun Razak, Kelab Golf di Raja Selangor, 50400 Kuala Lumpur
Perkhidmatan Pelanggan: 03-9206 8118
Hubungi Pusat: 03-9281 3030
Waktu Operasi: Isnin hingga Khamis (8.45 pagi – 5.4 petang), Jumaat (8.45 pagi – 5.45 petang)
#pinjamanperibadi #personalloan #IDSB
Ikhtiar Destinasi Sdn. Bhd.
Tel: 03-4023 2266 / +603 4141 8060
I Destinasi Sdn. Bhd. 4 & 6 Pekeliling Business Centre, Persiaran 65C, Jalan Pahang Barat, Pekeliling, 53000 Kuala Lumpur, Wilayah Persekutuan Kuala Lumpur
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Privacy Policy Who we are Our website address is: https://koperasi.business. What personal data we collect and why we collect it Comments When visitors leave comments…
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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…
Koperasi Ukhwah: Pinjaman Peribadi Terhebat Penjawat Awam! Maklumat Pinjaman Peribadi Koperasi Ukhwah Malaysia Berhad Hubungi Koperasi Ukhwah Malaysia Berhad Untuk sebarang pertanyaan lanjut atau…
Kakitangan HUSM kini layak memohon pinjaman peribadi sehingga RM200,000 melalui bank dan koperasi. Pembiayaan patuh Syariah, proses mudah dan pantas untuk memenuhi keperluan kewangan anda.
Pengenalan
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).
Adakah Anda Layak?
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 Sekarang!
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.
https://koperasi.info, https://bursary.usm.my
#pinjamanperibadi
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Nak tahu cara urus pinjaman dengan lebih bijak? Kami kongsikan info penting tentang pinjaman bank, koperasi, dan cara urus wang dengan lebih mudah. Klik untuk teruskan membaca dan mula ubah cara anda berbelanja.
Privacy Policy Who we are Our website address is: https://koperasi.business. What personal data we collect and why we collect it Comments When visitors leave comments…
Pinjaman Peribadi IDSB RHB Pinjaman peribadi IDSB, melalui i-Destinasi / Ikhtiar Destinasi Sdn Bhd, adalah pinjaman patuh syariah dengan kadar interest serendah 3.99%. Dengan proses…
Bank Rakyat Dapatkan pinjaman peribadi Bank Rakyat dengan pembiayaan hingga RM200,000, atau 35 kali gaji kasar anda. Nikmati perlindungan Takaful dan kemudahan potongan Biro Angkasa…
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Yayasan Ihsan Rakyat: Maklumat Dihujung Jari Anda! Dapatkan promosi terhebat dari Yayasan Ihsan Rakyat mengenai maklumat terkini secara berkala. Ketahui maklumat penting seperti payout, kriteria,…
Koperasi Perkasa (KOPERKASA) KOPERKASA menawarkan pelbagai kemudahan kewangan dan peluang kepada ahli-ahli koperasi. Dapatkan pinjaman peribadi, pelaburan, dan manfaat lain untuk meningkatkan kesejahteraan hidup anda.…
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…
Koperasi Ukhwah: Pinjaman Peribadi Terhebat Penjawat Awam! Maklumat Pinjaman Peribadi Koperasi Ukhwah Malaysia Berhad Hubungi Koperasi Ukhwah Malaysia Berhad Untuk sebarang pertanyaan lanjut atau…
Semak kelayakan pinjaman anda dengan mudah! Ketahui syarat terkini untuk pinjaman peribadi, kakitangan kerajaan, swasta, dan tentera. Fahami faktor seperti skor kredit, gaji bersih, dan komitmen kewangan. Mohon dengan yakin dan tingkatkan peluang kelulusan segera!
Pengenalan
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
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.
#pinjamanperibadi #personalloan
Topik Terhangat & Trending
Nak tahu cara urus pinjaman dengan lebih bijak? Kami kongsikan info penting tentang pinjaman bank, koperasi, dan cara urus wang dengan lebih mudah. Klik untuk teruskan membaca dan mula ubah cara anda berbelanja.
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Kebankrapan Penjawat Awam Penjawat awam juga berisiko menghadapi kebankrapan akibat tekanan kewangan seperti hutang kad kredit, bil perubatan, atau cukai tertunggak. Memfailkan kebankrapan boleh menjadi…
Muflis Muflis boleh berlaku kepada sesiapa sahaja—terutama bila berdepan dengan kehilangan kerja, bil perubatan yang tinggi, atau tekanan kewangan lain. Ia bukan sekadar tentang hutang,…
Kebankrapan Kebankrapan bukan sekadar isu kewangan—ia boleh menggugat kestabilan hidup secara menyeluruh. Dari kehilangan akses kredit hingga tekanan emosi dan reputasi yang tercalar, kesannya amat…
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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.
Mohon pinjaman penjawat awam Malaysia dengan kadar faedah rendah dan 100% payout sehingga RM200,000. Khas untuk kakitangan kerajaan, guru, tentera, dan polis. Tiada penjamin, proses mudah dan patuh Syariah. Isi borang sekarang untuk kelulusan yang cepat dan terjamin!
Pengenalan
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!
Permohonan
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.
#koperasi #pinjamanperibadi #personalloan #Bank
Topik Terhangat & Trending
Nak tahu cara urus pinjaman dengan lebih bijak? Kami kongsikan info penting tentang pinjaman bank, koperasi, dan cara urus wang dengan lebih mudah. Klik untuk teruskan membaca dan mula ubah cara anda berbelanja.
Minda Jana Duit Pendapatan bermula dari minda yang bersedia. Minda Jana Duit membimbing anda untuk menjana kewangan melalui strategi pintar, ilmu praktikal dan tindakan yang…
Hutang Hutang boleh menjadi beban jika tidak diurus dengan baik, tetapi dengan strategi yang betul, anda boleh ambil semula kawalan ke atas kewangan anda. Panduan…
Menabung Menabung bukan tentang jumlah besar—ia tentang konsistensi dan kesedaran. Dengan menyimpan sedikit demi sedikit, anda bukan sahaja bersedia untuk kecemasan, tetapi juga membina asas…
Kebankrapan Penjawat Awam Penjawat awam juga berisiko menghadapi kebankrapan akibat tekanan kewangan seperti hutang kad kredit, bil perubatan, atau cukai tertunggak. Memfailkan kebankrapan boleh menjadi…
Muflis Muflis boleh berlaku kepada sesiapa sahaja—terutama bila berdepan dengan kehilangan kerja, bil perubatan yang tinggi, atau tekanan kewangan lain. Ia bukan sekadar tentang hutang,…
Kebankrapan Kebankrapan bukan sekadar isu kewangan—ia boleh menggugat kestabilan hidup secara menyeluruh. Dari kehilangan akses kredit hingga tekanan emosi dan reputasi yang tercalar, kesannya amat…
Pendapatan Sampingan Pendapatan sampingan bukan lagi satu impian — ia boleh jadi kenyataan dengan strategi yang betul. Dari memulakan blog, menyewa bilik ganti, hingga pelaburan…
Tambah Pendapatan Ingin tingkatkan pendapatan anda? Ketahui pelbagai cara bijak untuk menjana wang tambahan — daripada kerja bebas dan kerja sampingan, hingga pelaburan aset dan…
Isi borang pinjaman peribadi dengan mudah untuk akses kepada pembiayaan patuh Syariah sehingga RM200,000. Sesuai untuk penjawat awam, tentera, dan sektor swasta. Tiada penjamin, 100% payout, dan sokongan Biro Angkasa. Mohon sekarang untuk kelulusan yang cepat dan mudah.
Pengenalan
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).
Borang 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
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 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
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 Lakukan Kami Sebegini
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.
#koperasi #pinjamanperibadi #personalloan #Bank
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Privacy Policy Who we are Our website address is: https://koperasi.business. What personal data we collect and why we collect it Comments When visitors leave comments…
Pinjaman Peribadi IDSB RHB Pinjaman peribadi IDSB, melalui i-Destinasi / Ikhtiar Destinasi Sdn Bhd, adalah pinjaman patuh syariah dengan kadar interest serendah 3.99%. Dengan proses…
Bank Rakyat Dapatkan pinjaman peribadi Bank Rakyat dengan pembiayaan hingga RM200,000, atau 35 kali gaji kasar anda. Nikmati perlindungan Takaful dan kemudahan potongan Biro Angkasa…
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Yayasan Ihsan Rakyat: Maklumat Dihujung Jari Anda! Dapatkan promosi terhebat dari Yayasan Ihsan Rakyat mengenai maklumat terkini secara berkala. Ketahui maklumat penting seperti payout, kriteria,…
Koperasi Perkasa (KOPERKASA) KOPERKASA menawarkan pelbagai kemudahan kewangan dan peluang kepada ahli-ahli koperasi. Dapatkan pinjaman peribadi, pelaburan, dan manfaat lain untuk meningkatkan kesejahteraan hidup anda.…
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…
Koperasi Ukhwah: Pinjaman Peribadi Terhebat Penjawat Awam! Maklumat Pinjaman Peribadi Koperasi Ukhwah Malaysia Berhad Hubungi Koperasi Ukhwah Malaysia Berhad Untuk sebarang pertanyaan lanjut atau…
Dapatkan pinjaman peribadi Coshare dengan tawaran terbaik — 100% payout, tiada penjamin, dan jumlah sehingga RM200,000. Sokong overlap dan potongan gaji Biro Angkasa. Mohon sekarang untuk pembiayaan yang mudah, pantas, dan patuh Syariah.
Pengenalan
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.
Pinjaman Peribadi Popular
Coshare EZ Interest 6.50%
Produk terbaru 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%.
Interest 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
Interest 3.99%
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.
Coshare KFH 3.88% adalah satu daripada 3 produk pembiayaan yang baru diluncurkan pada tahun 2021 sempena pandemik Covid-19. Dampak dari Perintah Pergerakan Kawalan atau singkatannya PKP memberi kesan mendalam terhadap ekonomi dan kewangan harian pemohon. Maka dengan itu, dijangkakan pakej ini akan meletup dan menjadi sangat popular di kalangan penjawat awam kerajaan AG. KFH iaitu Kuwait Finance House sudah lama menjadi peneraju dalam pakej pembiayaan kepada kakitangan kerajaan.
Terma dan Syarat
Berikut adalah kriteria loan bagi Coshare KFH 3.88% supaya anda mendapat gambaran yang jelas sebelum membuat permohonan.
Kadar interest 3.88% flat rate (terendah dipasaran untuk kadar rata)
Payout 80% dari jumlah pinjaman
Proses 7-10 hari bekerja.
Tempoh pinjaman minima 2 tahun dan maksima 10 tahun.
Minima amaun pembiayaan adalah RM10,000.
Maksimum pembiayaan adalah RM200,000.
Pinjaman tanpa penjamin
Single customer limit adalah RM200,000.
Pemohon mestilah berjawatan tetap.
Berkhidmat sekurang-kurangnya 1 tahun dari tarikh lantikan.
Gaji minima permulaan adalah RM3,000.
Terbuka kepada kakitangan full government (AG Only). Maksudnya semua kakitangan kerajaan persekutuan adalah LAYAK.
Anggota polis LAYAK memohon.
Promosi ini tidak dibuka kepada kakitangan kerajaan negeri dan badan berkanun.
Pembiayaan sehingga setahun sebelum pencen. Jika pemohon memilih opsyen bersara 60 tahun, maka tempoh max adalah sehingga pemohon berumur 59 tahun.
Nota penting: Pemohon yang mempunyai DSR tinggi TIDAK LAYAK memohon kerana Coshare KFH 3.88% ini akan melihat rekod CCRIS dan CTOS anda. Anda harus memberitahu kami samada adakah anda mempunyai komitment luar payslip seperti kredit kad, ansuran rumah atau kenderaan, pinjaman peribadi dibayar melalui potongan akaun bank atau bank-in dan lain-lain.
Maklumat Wajib
Kepada pemohon yang berminat dengan pakej Coshare KFH 3.88% ini, anda boleh memuaturun borang permohonan di sini. Anda juga harus mengisi butiran diri seperti dibawah dan send ke nombor talian hotline kami.
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.
Dokumen Yang Diperlukan
Dokumen yang diperlukan untukadalah seperti dibawah:
IC & ID polis (jika ada) yang berwarna punya – WhatsApp
anm & HRMIS password (pemohon perlu mencetak HRMIS sendiri kalau berjawatan polis)
Salinan akaun bank masuk gaji (WAJIB)
Surat opsyen untuk customer:
berumur 39 ke atas (kalau apply pakej 15 tahun)
berumur 45 ke atas (kalau apply pakej 10 tahun)
Surat pengesahan* (WAJIB kalau apply KFH)
*Untuk JCL, kalau majikan tak beri kerjasama, kena minta surat pengesahan
Apakah 5 langkah untuk memohon pinjaman peribadi Coshare – Kuwait Finance House Interest rate 3.88%? Berikut adalah langkah-langkah mohon Pinjaman Peribadi Coshare KFH 3.88% yang anda perlu lakukan seperti berikut:-
Langkah 1: Whatsapp slipgaji terkini ke nombor hotline kami. Dan nyatakan samada anda ada komitmen luar seperti loan kereta, kredit kad, bayaran rumah yang bukan LPPSA, personal loan dengan credit company dan lain-lain. Nyatakan kepada kami samada anda mempunyai rekod senaraihitam CCRIS CTOS.
Langkah 2: Pengiraan akan dibuat untuk menentukan samada anda layak atau tidak. Kami akan memaklumkan pakej yang bersesuaian dengan anda berdasarkan situasi kewangan anda.
Langkah 3: Isi maklumat pemohon dan hantar.
Langkah 4: Download borang dalam laman web ini, isi menggunakan pen dakwat basah hitam, sign semua tempat secara konsisten dan kepilkan dokumen sokongan seperti yang dikehendaki.
Langkah 5: Hantar borang permohonan yang lengkap kepada kami.
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.
#pinjamanperibadi #personalloan #COSHARE
Contact Coshare Holdings
Tel: 013-449 0795
Coshare Holdings Berhad 25-G, Jalan PJU 5/20a, Kota Damansara, 47810 Petaling Jaya, Selangor
Topik Terhangat & Trending
Nak tahu cara urus pinjaman dengan lebih bijak? Kami kongsikan info penting tentang pinjaman bank, koperasi, dan cara urus wang dengan lebih mudah. Klik untuk teruskan membaca dan mula ubah cara anda berbelanja.
Privacy Policy Who we are Our website address is: https://koperasi.business. What personal data we collect and why we collect it Comments When visitors leave comments…
Pinjaman Peribadi IDSB RHB Pinjaman peribadi IDSB, melalui i-Destinasi / Ikhtiar Destinasi Sdn Bhd, adalah pinjaman patuh syariah dengan kadar interest serendah 3.99%. Dengan proses…
Bank Rakyat Dapatkan pinjaman peribadi Bank Rakyat dengan pembiayaan hingga RM200,000, atau 35 kali gaji kasar anda. Nikmati perlindungan Takaful dan kemudahan potongan Biro Angkasa…
Pinjaman Peribadi Yayasan Ihsan Rakyat – Mohon Sekarang! Dapatkan Pinjaman Peribadi Yayasan Ihsan Rakyat (YIR), pilihan utama untuk kakitangan kerajaan yang memerlukan penyelesaian kewangan segera.…
Yayasan Ihsan Rakyat: Maklumat Dihujung Jari Anda! Dapatkan promosi terhebat dari Yayasan Ihsan Rakyat mengenai maklumat terkini secara berkala. Ketahui maklumat penting seperti payout, kriteria,…
Koperasi Perkasa (KOPERKASA) KOPERKASA menawarkan pelbagai kemudahan kewangan dan peluang kepada ahli-ahli koperasi. Dapatkan pinjaman peribadi, pelaburan, dan manfaat lain untuk meningkatkan kesejahteraan hidup anda.…
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…
Koperasi Ukhwah: Pinjaman Peribadi Terhebat Penjawat Awam! Maklumat Pinjaman Peribadi Koperasi Ukhwah Malaysia Berhad Hubungi Koperasi Ukhwah Malaysia Berhad Untuk sebarang pertanyaan lanjut atau…
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.
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
https://koperasi.info and www.alrajhibank.com.my
#pinjamanperibadi #personalloan #Bank #AlRajhi
Contact Al-Rajhi Bank Malaysia
Tel: +603 2332 6000
customersupport@alrajhibank.com.my
Fax: +603 2332 6062
Level 17 Menara Chan 138 Jalan Ampang 50450 Kuala Lumpur
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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.
Personal Loans
Tawarruq-i
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, 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
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
#personalloan #koperasi #KARISMA
Contact Us
Tel: 03 – 9202 3232 / 03 – 9202 3222
Fax: 03 – 9226 6111
Koperasi Anggota RISDA Malaysia Berhad (KARISMA) W-6-0275 No. 3A, Blok 3 (Tingkat 2), City Garden Commercial Center, Taman Nirwana, 68000 Ampang, Selangor
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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.
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 Us
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
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)
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.
With 90% Financing (4202)
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.
TPTP (4201TP)
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
90% Financing
Must settle 50% existing loan
Popular choice
Overlapping
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.
#koperasi #KOSPETA #personalloan
Contact Koperasi Kospeta
Tel: 03-61366097 / 03-61360564
kop.peta@streamyx.com / kospeta@tm.net.my
Fax: 03-61384463
Koperasi KOSPETA MALAYSIA BERHAD no. 10 & 12 Tingkat 1 Jalan 6/3A KM12 Jalan Ipoh, Pusat Bandar Utara 68100 Kuala Lumpur
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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
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
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
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
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
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.
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 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.
Summary
Article Title: RCE Capital Berhad
Category: #RCE #PersonalLoan
Purpose: #GeneralInformation
*Source: rce.com.my official website
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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.
Introduction
A Financial Solution
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?
YIR 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.
Popular Personal Loans
Home Renovation Financing
Thinking of upgrading your home or fixing a few things around the house? With Yayasan Ihsan Rakyat’s personal loan, you can fund everything from major renovations to small repairs — all without the financial stress. Ready to refresh your space? Apply today.
Education Financing
Whether it’s helping your children pursue their studies or investing in your own education, this flexible financing option makes it easier to cover school fees, university costs, and more. Support your learning journey — start your application now.
Business Financing
Planning to launch a new business or grow your current one? YIR offers financing designed to help entrepreneurs take the next step with confidence. Turn your business ideas into reality — get funded today.
Medical Financing
Healthcare costs can be overwhelming, but they don’t have to be. Use this loan to cover medical treatments, purchase health equipment, or manage unexpected expenses with ease. Take care of your health — apply for support now.
Umrah & Hajj Financing
Dreaming of performing Umrah or Hajj? YIR’s financing helps make your spiritual journey possible by covering the high costs of travel and preparation. Make your pilgrimage happen — apply now.
Debt Consolidation
Managing multiple loans? YIR’s debt consolidation option helps you streamline your payments into one manageable plan, giving you better control over your finances. Simplify your repayments — consolidate with YIR today.
Product WA
If you’re a full-time government employee, a member of the police force (PDRM), or working with UPM or UITM, this loan is built for you.
Interest rate: 5.99% per year (flat)
Loan term: 1 to 10 years
Payout: 89% after deducting one month’s advance
Amount: RM3,000 to RM150,000 (higher amounts may be considered)
To qualify, make sure your credit history in CTOS and CCRIS is clean, and you’ve had no issues with past repayments. Thinking of upgrading your home or consolidating your finances? This could be the right fit.
Product I7
This option is ideal for government staff who want competitive rates and flexible terms.
Interest rate: 7.99% per year (flat)
Loan term: 1 to 10 years
Payout: 80% after deducting one month’s advance
Amount: RM3,000 and above
Even with a slightly lower payout, this loan is designed to support applicants with varied credit backgrounds. If you’re looking for a balance between affordability and access, I7 is worth considering.
Product I8
Similar to I7, but with a few extra perks — no cooperative fees or share entry charges.
Interest rate: 7.99% per year (flat)
Loan term: 1 to 10 years
Payout: 80% after deducting one month’s advance
Amount: RM3,000 and above
It’s a clean, straightforward loan that’s popular among government employees. Need financing without the extra fees? I8 keeps things simple.
A Quick Tip
If you’ve got an existing loan — with YIR or another provider — it’s a good idea to settle it first. It’ll make your new application smoother and improve your chances of approval. Clear the way for your next step. Let’s make it happen.
YIR 6.88%
YIR offers two interest rates based on the applicant’s financial situation.
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.
YIR 7.88%
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
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.
Fully Shariah Compliant Financing
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
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 All
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
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.
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.
Summary
Article Title: Yayasan Ihsan Rakyat (YIR)
Category: #YIR #PersonalLoan
Purpose: #Promotion
*Source: yir.com.my official website
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Looking for a trusted Islamic financing solution? HSBC Amanah offers up to RM250,000 in Shariah-compliant personal financing for existing, premier, and new customers. Whether you’re planning a major purchase, consolidating debt, or funding personal goals, HSBC provides fast approval, transparent terms, and flexible repayment options.
Global trust. Local support. Ethical banking made easy.
Ready to get started? Read below to check your eligibility and apply today with confidence.
About
HSBC Amanah 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.
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.
Popular Personal Loans
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!
To Existing Customers
Whether it’s for your home or business, HSBC Amanah-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
Criteria:
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
To Existing Premier Customers
Exclusive 4.88% p.a. flat profit rate when you sign up for HSBC Amanah Premier-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.
Terms and Conditions
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
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
Terms and Conditions
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
Payment tenure from 2 years till 5 years
Instant cash disbursement upon approval
Shariah compliant
Interest 10.5%
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-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 apply. Applicable for New-to-Bank customers only. Minimum income RM5,000 per month.
Eligibility
You’re eligible for an Amanah-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.
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
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!
1st Floor (South Tower No 2, Leboh Ampang, City Centre 50100 Kuala Lumpur
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Apply your Hong Leong Bank personal loan now with easy payment and get 20% cashback on interest rate. Act now and enjoy the benefits only with HLB.
About
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.
Popular Personal Financings
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.
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.
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:
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.
With Cashback
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**
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.
Repayment Table
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.
Fee and Charges
Refer to the below for the Fees and Charges applicable:
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
Hong Leong Bank Berhad Level 18, Menara Hong Leong, No 6, Jalan Damanlela, Bukit Damansara, 50490 Kuala Lumpur Malaysia
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Need quick access to funds with peace of mind? Citibank offers personal loans with competitive interest rates, tailored to meet your financial needs. Whether it’s for education, travel, home improvements, or emergencies, enjoy fast approval, no guarantor required, and flexible repayment terms.
Trusted globally. Designed for your lifestyle.
Ready to take control of your finances? Click below to check your eligibility and apply today with confidence.
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!
5 Steps to Apply 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.
Popular Personal Loans
Citi 7.9%/p.a
Criteria as below:
Loan amount (RM5,000 – RM150,000)
Low flat interest rates of 7.9% – 12.5% per annum
Loan repayment tenure (24 – 60 months)
No processing fees
No collateral / guarantor required
Quick Cash
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
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.
CitiFlexBill
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
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.
https://koperasi.info and www.citibank.com.my
#pinjamanperibadi #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)
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Apply Cimb Bank personal loan with fast approval and interest rate from 6.88%. No guarantor and hassle-free term loan. Click here to apply!
Summary
Bank Koperasi Name: CIMB Bank
Abbreviation / Code Name: –
Bank Koperasi Promotion Name: Cimb Bank Personal Loan General Info
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
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.
Popular Personal Financings
CASH PLUS
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.
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
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
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
CASH PLUS 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.
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
ASB Loan
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
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
*Source: cimb.com.my
#koperasi #personalloan #Bank #CIMB
Contact CIMB Bank
CIMB Bank Call Center: 03-6204 7788 Premier Credit Card Call Centre 03-62047799 Business Call Centre: +60322973000
info@personalfinancingloan.com
CIMB EzBank HQ Kuala Lumpur 11, Jln Raja Laut, Kuala Lumpur City Centre 50350, Federal Territory of Kuala Lumpur
CIMB Bank Customer Service 83, Jalan Medan Setia 1, Bukit Damansara 50490, Wilayah Persekutuan Kuala Lumpur
Hot & Trending Topic
Looking to take control of your loans and spend smarter? We’ve got you covered with practical tips on handling bank loans, co-op financing, and managing your money with ease.
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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,…
Bank Islam Malaysia Berhad (BIMB) Bank Islam Malaysia Berhad (BIMB) offerings Personal Financing Loan for permanent and contract for Government and Business Loan. Find out…
AgroBank Looking for a reliable and Shariah-compliant personal financing solution? AgroBank Cash-i offers up to RM200,000 in financing exclusively for government employees and selected GLC…
