Tag: personalloan

  • Alliance Bank Personal Financing – 3.99% p.a. Online Exclusive Offer

    Alliance Bank Personal Financing – 3.99% p.a. Online Exclusive Offer

    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. 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.

    CLICK HERE to personal loan alliance bank view the full Product Disclosure Sheet for Personal Financing (Conventional).
    Click HERE to view the full Product Disclosure Sheet for Personal Financing (Islamic)

    Business Finance-i Equipment

    • 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.


    Pinjaman Peribadi Alliance Bank Loan


    *Source: Alliance Bank official website

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  • New! Koperasi Tentera KT (KATMB): Best Express Loans with Low Interest Rate!

    New! Koperasi Tentera KT (KATMB): Best Express Loans with Low Interest Rate!

    Koperasi Tentera (KATMB)

    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.

    Pinjaman Peribadi Koperasi Tentera KT KATMB

    *Source: katmb.com.my official website

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  • Koperasi Anak Sains MARA Berhad (KOASMARA): Enhancing Programmes

    Koperasi Anak Sains MARA Berhad (KOASMARA): Enhancing Programmes

    Koperasi Anak Sains MARA Berhad (KOASMARA)

    Koperasi Anak Sains MARA Berhad (KOASMARA) was incorporated by alumni of MARA Junior Science College (MRSM), a special high 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:

    1. ASMARA DIVIDEND & BONUS: 15.0
    2. 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:

    1. Application form will be sent by email
    2. A copy of IC
    3. A copy of Bank-in Slip or Screen Capture of payment transaction for RM600 to Anasmara Education Sdn Bhd. CIMB Bank Account Number 8603820971
    4. 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

    Koperasi Anak Sains MARA Berhad KOASMARA
    Koperasi Anak Sains MARA Berhad ASMARA KOASMARA




    *Source: koasmara.org official website

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  • Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad (KOPANISZA)

    Koperasi Alumni Universiti Sultan Zainal Abidin Terengganu Malaysia Berhad (KOPANISZA)

    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

    KOPANISZA Koperasi Alumni UniSZA


    *Source: alumni.unisza.edu.my official website

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  • Koperasi Guru-Guru Sekolah India Perak (KOPINDPK): Best Personal Loans

    Koperasi Guru-Guru Sekolah India Perak (KOPINDPK): Best Personal Loans

    Koperasi Guru-Guru Sekolah India Perak (KOPINDPK)

    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

    Koperasi Guru-Guru Sekolah India Perak KOPINDPK


    *Source: kopgurusekindiaperak.blogspot.com official website

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  • Koperasi Pengusaha Pekerja Malaysia (KPPMB): Tawarruq & Murabaha Personal Loans

    Koperasi Pengusaha Pekerja Malaysia (KPPMB): Tawarruq & Murabaha Personal Loans

    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!

    Koperasi Pengusaha Pekerja Malaysia Berhad KPPMB

    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: Education Fund & Housing Schemes

    Koperasi Nesa Pelbagai Berhad: Education Fund & Housing Schemes

    Koperasi Nesa Pelbagai Berhad

    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!

    Personal Loans Koperasi Nesa Pelbagai Berhad


    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

    Personal Loan Koperasi Nesa Pelbagai Berhad Pinjaman Peribadi

    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.

     #koperasi #personalloan #KoperasiServices #KoperasiNesa 

    Contact

    • Tel: 03-4041 5488
    • Fax: 03-4042 3720
    • 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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  • Koperasi Siswazah Bangi Berhad (KSBB): Education Innovation & Personal Financing

    Koperasi Siswazah Bangi Berhad (KSBB): Education Innovation & Personal Financing

    Koperasi Siswazah Bangi Berhad (KSBB)

    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

    1. SME Education Undergraduate Program Executive Mod School Leave
    2. Global Digital University
    3. English Language Camp “The Finland Way”​
    4. Seminar on Transdisciplinary Education (STED)
    5. 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)

    Koperasi Siswazah Bangi Berhad KSBB

    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:-

    1. PTPTN
    2. KWSP
    3. Bank Rakyat
    4. State Foundation
    5. 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: Cash & Umrah Loans | Apply for Aidilfitri, Education & More

    Koperasi BUMIRA: Cash & Umrah Loans | Apply for Aidilfitri, Education & More

    Koperasi BUMIRA Malaysia Berhad

    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

    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. Cooperation among cooperatives
      Cooperatives help its members more effectively while strengthening the cooperative movement by working together at local, regional, national and international levels.
    7. 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.
    Koperasi BUMIRA Malaysia Berhad
    Koperasi BUMIRA Malaysia Berhad

     

    Popular Personal Loans

    Based on current promotion:

    1. 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.
    2. SPECIAL FINANCING OF HARI RAYA Had Maksima: RM 3,500.00. 1 copy of MyKad, March & April Salary Slip and related documents.
    3. 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.
    4. PEMBIAYAAN KHAS CAT KERETA
    5. PEMBIAYAAN KHAS BASIKAL
    6. 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.

    * Pembiayaan Khas dibuka apabila ada iklan.

     #personalloan #koperasi #KoperasiBUMIRA #KoperasiServices 

    Contact Koperasi BUMIRA

    • Tel: +603-2691 2119
    • Fax: +603-2692 1972
    • Koperasi BUMIRA Malaysia Berhad.
      Lot 3.28 & 3.29, Tingkat 2, Medan Mara, Jalan Raja Laut,
      50350 Kuala Lumpur

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  • FELKOP – 12 Personal Financing Options & Member Services

    FELKOP – 12 Personal Financing Options & Member Services

    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!

    Felkop Koperasi Kakitangan Felda Malaysia Berhad

    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 Kakitangan Bank Pertanian (KoBPM) – Affordable Financing Up to RM50,000

    Koperasi Kakitangan Bank Pertanian (KoBPM) – Affordable Financing Up to RM50,000

    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!

    Personal Loans KoBPM Koperasi Kakitangan Bank Pertanian Malaysia Berhad

    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

    1. Death Benefit @ Permanent Disability (Ordinary)
    2. Death Benefit @ Permanent Disability (Accident)
    3. Benefits of Partial Permanent Disability
    4. Hospitalisation Benefit (WARD)
    5. Khairat Member’s Death
    6. 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)

    1. RM50,000 Maximum
    2. 7 Days Process Duration
    3. None Guarantor
    4. 1 Year Financing Period
    5. 3.00% Profit Rate
    6. Secured 80%
    7. 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

    Hot & Trending Topic

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  • Koperasi Belia Inovatif Sarawak (KOBIS) – Empowering Youth!

    Koperasi Belia Inovatif Sarawak (KOBIS) – Empowering Youth!

    Koperasi Belia Inovatif Sarawak Berhad (KOBIS)

    KOBIS is the ideal cooperative for Malaysian youth ready to explore entrepreneurship, build innovative skills, and grow meaningful careers within the community. Whether you’re starting out or seeking support to scale, KOBIS helps you thrive in a dynamic, forward-thinking environment.

    Discover how KOBIS can support your journey – read here for more information!

    Koperasi Belia Inovatif Sarawak Berhad KOBIS

    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

    1. Promote progressive and well-planned development of cooperative in Sarawak economy.
    2. To strengthen the socioeconomic of youth (members) through cooperative as the platform, catalyst and resource support to the members.
    3. Developing youth (members) towards excellence, especially on entrepreneurship, careers, skills and innovation.
    4. 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.
    5. 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

    *Source: Kobis official website

     #koperasi #personalloan #KoperasiServices #KOBIS 

    Contact KOBIS

    • Tel: 082-237 012
    • KOBISTECH
      2nd Floor, Lot, 284 Section, 9, Jalan Rubber,
      93400 Kuching, Sarawak
    • Opening Hours: Monday to Friday 8.30am-5.30pm

    Topik Terhangat & Trending

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  • KOPUBI Personal Loan – Empowering Entrepreneurs with Micro Credit Solutions

    KOPUBI Personal Loan – Empowering Entrepreneurs with Micro Credit Solutions

    Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI)

    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!

    Personal Loan KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd

    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:

    1. Open to Malaysian citizens aged 18 years and above who have been a member of this Cooperative for not less than six months
    2. Has paid a Share Capital of at least RM 150.00 together with an entry fee of RM150.00
    3. Affordable means the deduction of monthly installment repayment does not exceed 60% of monthly income
    4. The maximum financing limit is subject to 10x the share value and the maximum amount of this financing is limited to RM5,000 only
    5. Have a Guarantor who consists of members of the Cooperative
    6. 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:

    1. Has been a member for not less than six months.
    2. Guarantors are not allowed to guarantee more than 3 members at a time.
    3. Board Members are not allowed to guarantee during their tenure as Board Members.
    4. The guarantor is not from among the family members of the member who borrowed and is not a spouse to the member.
    5. 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).
    6. 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

    Hot & Trending Topic

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  • Koperasi Muslimin Malaysia Berhad (KMMB): Pembiayaan Peribadi dan Umrah

    Koperasi Muslimin Malaysia Berhad (KMMB): Pembiayaan Peribadi dan Umrah

    Koperasi Muslimin Malaysia Berhad (KMMB)

    Terdapat banyak pembiayaan peribadi Koperasi Muslimin Malaysia Berhad KMMB yang boleh anda dapatkan seperti pembiayaan tanah, pembiayaan kenderaan, pembiayaan tunai, umrah, perkahwinan dan lain-lain. Dapatkan info disini.

    Koperasi Muslimin Malaysia Berhad (KMMB)
    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:

    1. Applicant’s General Documents: Complete the application form Certified copy of Identity Card Latest 3 months original salary slip & certified copy.
    2. Letter of confirmation of service Eligibility form Salary Deduction Limit 60% (Government Employees).
    3. 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

    Topik Terhangat & Trending

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  • Pinjaman Peribadi Maybank: Popular, Pantas, Telus dan Mudah

    Pinjaman Peribadi Maybank: Popular, Pantas, Telus dan Mudah

    Maybank

    Pinjaman peribadi Maybank Berhad adalah bank terbaik untuk penjawat awam dan swasta. Shariah compliant. Apply koperasi dana MBB. Dapatkan info lanjut untuk mohon.

    Maybank

    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

    Features

    1. Fixed monthly installment
    2. Financing Amount: Minimum Financing amount RM5,000 | Maximum Financing amount RM100,000
    3. Tenure: Minimum tenure 2 year | Maximum tenure 6 years
    4. 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)
    5. 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)
    • Latest 2 months’ salary slips
    • Latest 6 months’ savings account activity/current account statements.

    If you are self-employed

    • Copy of NRIC (both sides)
    • Latest BE form with official tax receipt
    • Copies of Business Registration
    • Latest 6 months’ Bank Statements

    Fees & Charges Late payment Charge

    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.

    *Source from maybank2u and koperasi.info

     #pinjamanperibadi #personalloan #Bank #Maybank 

    Contact Maybank Berhad

    • Tel: +603 2070 8833 / +603-7844 3696 (Customer Service)
    • Malayan Banking Berhad Menara Maybank,
      100, Jalan Tun Perak,
      50050 Kuala Lumpur, Malaysia

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  • UOB Bank Personal Loan – Fast, Flexible & Tailored to Your Needs

    UOB Bank Personal Loan – Fast, Flexible & Tailored to Your Needs

    UOB Bank

    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.

    Pinjaman Peribadi UOB Bank Personal Loan

    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 IncomeMonthly IncomeInterest Rate
    SalariedSelf-Employed11.99% p.a.
    RM2,000 < RM4,000RM3,000 < RM6,00010.99% p.a.
    RM4,000 < RM7,000RM6,000 < RM8,0009.99% p.a.
    RM7,000 and aboveRM8,000 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:

    121824303642485460months

     

    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.
     
    		RM5,000RM25,000RM50,000RM75,000RM100,000
    12 months
    		458.292,291.464,582.926,874.389,165.83
    24 months249.961,249.792,499.583,749.384,999.17
    36 months180.51902.571,805.142,707.713,610.28
    48 months145.79728.961,457.922,186.882,915.83
    60 months124.96624.791,249.581,874.382,499.17
    Interest Rate
    		10..99% p.a.
     
    		RM5,000RM25,000RM50,000RM75,000RM100,000
    12 months
    		462.462,312.294,624.586,936.889,249.17
    24 months254.131,270.632,541.253,811.885,082.50
    36 months184.68923.401,846.812,770.213,693.61
    48 months149.96749.791,499.582,249.382,999.17
    60 months129.13645.631,291.251,936.882,582.50
    Interest Rate
    		11.99% p.a.
     
    		RM5,000RM25,000RM50,000RM75,000RM100,000
    12 months
    		466.632,333.134,666.256,999.389,332.50
    24 months258.291,291.462,582.923,874.385,165.83
    36 months188.85944.241,888.472,832.713,776.94
    48 months154.13770.631,541.252,311.883,082.50
    60 months133.29666.461,332.921,999.382,665.83

    **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

    Hot & Trending Topic

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  • RHB Bank Personal Loan: Get Up to RM150,000. Apply Now!

    RHB Bank Personal Loan: Get Up to RM150,000. Apply Now!

    RHB Bank

    RHB Bank is providing the best personal loans to government servants and private sector. Max RM150,000. Instant approval. Apply now!

    RHB Bank Personal Loan

    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.

    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)

    Repayment Table

    Please click here to view the RHB Bank personal loan repayment table.

    Interest Rate

    Please find here to view the RHB Bank Personal Loan Interest Rate Table

    Terms and Conditions

    Please find here to view our RHB Bank Personal Loan Terms and Conditions

    Download Forms

    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.

    1. Tier 1: from 13.45%p.a. flat that is equivalent to EIR 24% p.a;
    2. Tier 2: from 11.66% p.a. flat that is equivalent to EIR 21% p.a.;
    3. Tier 3: from 9.91% p.a. flat that is equivalent to EIR 18% p.a.;
    4. 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:

    1. No advance payment
    2. Promotion rate as low as 4.20% (flat rate)
    3. Loans from RM2,000 to RM150,000
    4. Repayment Tenure from 2 to 10 years
    5. 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:

    1. MyKad Identification Number/Passport Number
    2. RHB Bank Account Number
    3. 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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  • Kuwait Finance House (KFH) – Trusted Shariah-Compliant Financing in Malaysia

    Kuwait Finance House (KFH) – Trusted Shariah-Compliant Financing in Malaysia

    Kuwait Finance House (KFH)

    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.

    Pinjaman Peribadi Kuwait Finance House KFH Personal Loan


    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

    1. Flexible cash withdrawal anytime via cheque, Debit Card, ATM or at any of our branches.
    2. 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.
    3. No charges imposed on the unutilized portion. Competitive pricing. High margin of advance. No guarantor needed.

    Fee

    1. 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

    1. Individuals aged 21 years old or up to 2 years before retirement age (60 years old).
    2. Malaysian resident.
    3. Owns any permissible assets which are acceptable to KFH Malaysia and free from any encumbrances.
    4. For personal use or short term working capital.
    5. Minimum tenure of 2 years and up to 5 years, subject to annual review.
    6. 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:

    1. Latest 3 months payslip.
    2. Latest EPF Statement (must show latest 3 months contribution).
    3. Other documents on case to case basis.

    Own Business:

    1. 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.
    2. Business Registration Form.
    3. Additional documents such as latest 6 months Company bank statement; or Proprietor bank statement and latest 3 months Personal bank statement.
    4. Other documents on case to case basis.

    Financing-i Generic

    Top key features and benefits

    1. Up To RM250,000: Financing
    2. 2 to 10 Years: Tenure
    3. Competitive: Financing Rates
    4. Shariah Concept: “Murabahah Tawarruq”.
    5. 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

    1. Financing up to RM250,000.
    2. Flexible tenure from 2 to 10 years.
    3. Competitive profit rates.
    4. No guarantors needed.
    5. “Takaful” protection for total peace of mind.
    6. Easy payment via Interbank GIRO (IBG) or Interbank Fund Transfer (IBFT).
    7. No early settlement penalty.

    Fee

    1. Brokerage Fee: Proportionate as per the financing amount.
    2. Stamp Duty: 0.5% of the financing amount.
    3. Takaful: As per customer’s profile (age, gender, tenure, etc).

    Eligibility

    1. Confirmed and permanent staff. Working with multinational companies, public limited companies, government-linked companies and their subsidiaries.
    2. Individuals aged 21 years or up to 2 years before retirement age (60 years old).
    3. Malaysian resident. Minimum gross monthly income of RM3,000.

    Required Documents

    Salaried earners:

    1. Latest 3 months payslip.
    2. Latest EPF Statement (must show latest 3 months contribution).
    3. Other documents on case to case basis.

    Own Business:

    1. 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.
    2. Business Registration Form.
    3. Additional documents such as latest 6 months Company bank statement, or Proprietor bank statement and latest 3 months Personal bank statement.
    4. 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).

    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

    • Total Income < RM 3,000, DSR 60%
    • Total Income RM 3,001 – RM 5,000, DSR 70%
    • Total Income> RM 5,001+, DSR 80%

    *From Official KFH Websites

     #personalloan #Bank #KFH  

    Contact Kuwait Finance House KFH

    • Tel: 1 300 888 KFH (534) / 603-2168 0464 / +603 2168 0000
    • 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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  • Bank Islam (BIMB) – Shariah-Compliant Financing for Government & Business Needs

    Bank Islam (BIMB) – Shariah-Compliant Financing for Government & Business Needs

    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 more. Apply now!

    Pinjaman Peribadi Bank Islam

    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

    1. Up to 100% if secured against fixed deposit
    2. Up to 80% if secured against structured investment
    3. 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

    1. Up to 100% if secured against fixed deposit
    2. Up to 80% if secured against structured investment
    3. 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. 1- 3 years: 4.20% p.a. (Profit is calculated on a monthly basis based on “Sum of Digit”).
    2. 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. 1-3 years: Base Rate (BR) + 2.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
    2. 4-10 years: Base Rate (BR) + 3.02% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
    3. 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. 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. 1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis based on “Monthly Rest”).
    2. 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)

    1. Applicant must be 25 years old and not exceeding the retirement age at the end of payment period
    2. Malaysian citizen
    3. Fixed income earner with a minimum gross income of RM2,000 per month
    4. Minimum tenure in service:
    5. Permanent Staff: 6 months
    6. Contract Staff: 2 years (Government only)

    Eligibility (Sole Proprietorship or Partnership)

    1. 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)
    2. Malaysian citizen
    3. Earning a minimum gross monthly income of RM2,000 and above
    4. 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.

    Monthly Repayment Table

    1. Jadual Ansuran Bulanan Pinjaman Peribadi Bank Islam Overlap
    2. Jadual Ansuran Bulanan Pinjaman Peribadi Bank Islam Pakej/ Program
    3. Jadual Ansuran Bulanan Pinjaman Peribadi Bank Islam Kadar Tetap
    4. Jadual Ansuran Bulanan Pinjaman Peribadi Bank Islam Kadar Tetap

     

    *Source: https://www.bankislam.com

     #personalloan #Bank #BIMB 

    Contact Bank Islam Malaysia Berhad

    • General Line: +603 2088 8000
      Contact Centre: +603 26 900 900
    • Email: contactcenter@bankislam.com.my
    • Bank Islam Malaysia Berhad
      Level 32, Menara Bank Islam
      No. 22, Jalan Perak
      50450 Kuala Lumpur

    Hot & Trending Topic

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  • AgroBank Cash-i Personal Financing – Your Trusted Choice for Government & GLC Staff

    AgroBank Cash-i Personal Financing – Your Trusted Choice for Government & GLC Staff

    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 staff. With competitive profit rates and flexible repayment options, it’s the smart way to access funds when you need them most.

    Agrobank Personal Loan

    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 CoverageCustomer 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.

     

    *Source: agrobank.com.my

      #personalloan #Bank #AgroBank 

    Contact Agrobank

    • Telephone: 603-2731 1600 +6 03 2079 0600 (INTL)
      Contact Centre: 1-300-88-2476
    • Agrobank Malaysia My office
      Leboh Pasar Besar, City Centre,
      50050 Kuala Lumpur

    Hot & Trending Topic

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  • OCBC Bank Personal Loan: Flexible Monthly Payments

    OCBC Bank Personal Loan: Flexible Monthly Payments

    OCBC Bank

    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!

    OCBC Bank Personal Loan


    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

    Pinjaman Peribadi OCBC Bank Personal LoanPinjaman Peribadi OCBC Bank Personal Loan


    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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    Ready to make better financial choices? Tap here to start your journey toward smarter spending.

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  • Personal Loan to SPAN Staff: Fast, Secure, and Flexible Financing

    Personal Loan to SPAN Staff: Fast, Secure, and Flexible Financing

    SPAN

    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.

    Pinjaman Peribadi SPAN Staff Personal Loan

    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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  • Malaysian Palm Oil Board (MPOB): Pinjaman Peribadi Kakitangan

    Malaysian Palm Oil Board (MPOB): Pinjaman Peribadi Kakitangan

    Malaysian Palm Oil Board (MPOB)

    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.

    Pinjaman Peribadi Malaysian Palm Oil Board MPOB Staff Loan

    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 (KPUNB): Pinjaman Popular Penjawat Awam

    Koperasi Permodalan Usahawan (KPUNB): Pinjaman Popular Penjawat Awam

    Koperasi Permodalan Usahawan (KPUNB)

    Koperasi Permodalan Usahawan Nasional Berhad – KPUNB menawarkan personal loan popular dengan pembiayaan RM200,000 blacklist lulus. Mohon sekarang!

    Koperasi Permodalan Usahawan Nasional Berhad (KPUNB)

    Pengenalan

    Pinjaman Peribadi Koperasi Permodalan Usahawan Nasional Berhad - KPUNB Personal Loan

    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 permohonan ini. 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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  • Pinjaman Peribadi Koperasi Kuasa: Kelulusan Segera!

    Pinjaman Peribadi Koperasi Kuasa: Kelulusan Segera!

    Pinjaman Peribadi Koperasi Kuasa KoKuasa

    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!

    Pinjaman Peribadi Koperasi Kuasa - KoKuasa Personal Loan

    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.

     #koperasi #pinjamanperibadi #personalloan #KoKUASA 

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  • Koperasi Konsumer Malaysia Berhad (KKMB): – Pinjaman Fleksibel Walaupun Intransit

    Koperasi Konsumer Malaysia Berhad (KKMB): – Pinjaman Fleksibel Walaupun Intransit

    Koperasi Konsumer Malaysia Berhad (KKMB)

    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!

    Pinjaman Peribadi Koperasi Konsumer Malaysia Berhad KKMB Personal Loan




    Pengenalan

    Pinjaman Peribadi Koperasi Konsumer Malaysia Berhad - KKMB Personal Loan


    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

    1. Pinjaman maximum sehingga RM150,000. Proses kelulusan 4-5 minggu bergantung kepada bhg processing. Tempoh bayaran balik sehingga 10 tahun (tiada 20 tahun lagi).
    2. 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.
    3. Status Kerja mestilah berjawatan tetap. Kontrak, jawatan sementara, kontrak berterusan sehingga pencen, bayaran gaji melalui baucer bayaran tidak layak sama sekali memohon.
    4. Untuk kakitangan kerajaan persekutuan sahaja (AG). state government, pihak berkuasa kerajaan tempatan (PBT), universiti dan lain-lain tidak layak.

     #koperasi #pinjamanperibadi #personalloan #KKMB 

    Hubungi KKMB

    • Tel: +603-2260 2726 / +603-2260 1431 / +603-2260 1433
    • Fax: +603-22604 834
    • Alamat: 34, Jalan Tun Sambanthan 3, Brickfields,
      50470 Kuala Lumpur
    • Opening Hours: 9am-5pm Monday to Friday

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  • Kementerian Dalam Negeri (KDN): Pinjaman Peribadi Kakitangan

    Kementerian Dalam Negeri (KDN): Pinjaman Peribadi Kakitangan

    Kementerian Dalam Negeri (KDN)

    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!

     

    Pinjaman Peribadi Kementerian Dalam Negeri KDN Staff Loan

    Pengenalan

    Pinjaman Peribadi Kementerian Dalam Negeri KDN Staff Loan

    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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  • Ministry of Youth and Sports KBS: Pinjaman Peribadi Kakitangan

    Ministry of Youth and Sports KBS: Pinjaman Peribadi Kakitangan

    Ministry of Youth and Sports (KBS)

    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!

    Personal Loan for Ministry of Youth and Sports KBS

    Sejarah Penubuhan

    Personal Loan for Ministry of Youth and Sports KBS


    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:

    1. 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.
    2. 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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  • Pinjaman Peribadi IDSB: Mohon Sekarang! Pelbagai Ganjaran Menanti

    Pinjaman Peribadi IDSB: Mohon Sekarang! Pelbagai Ganjaran Menanti

    Ikhtiar Destinasi Sdn. Bhd. (IDSB)

    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!

    Pinjaman Peribadi IDSB Ikhtiar Destinasi Personal Loan

    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%

    Pinjaman Peribadi IDSB Ikhtiar Destinasi Sdn Bhd Personal Loan

    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.
    • Pendapatan bulanan minimum RM2,000 (termasuk elaun tetap).
    • Pemohon mestilah seorang pekerja tetap.
    • 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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  • Pinjaman Kakitangan HUSM: Dapatkan Lebih Tunai Ditangan!

    Pinjaman Kakitangan HUSM: Dapatkan Lebih Tunai Ditangan!

    Pinjaman Kakitangan HUSM

    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.

    Personal Loan HUSM Staff Pinjaman

    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?

    Personal Loan HUSM Staff

    Ya, kakitangan di Hospital USM layak membuat permohonan pinjaman peribadi dengan pihak kami. Kami menawarkan personal loan HUSM Staff berdasarkan Islamic financing prinsip bai al-inah dengan adanya proses akad jual beli melalui telefon.

    Untuk melayakkan pemohon untuk memohon pinjaman peribadi ini, anda boleh hantar mesej kepada nombor telefon Whatsapp seperti yang tertera di bawah. Setelah persetujuan nilai pembiayaan diterima, anda bolehlah melengkap borang permohonan pembiayaan. Borang yang lengkap akan diproses oleh pihak koperasi. Pihak koperasi akan melakukan pengesahan majikan terlebih dahulu sebelum sesuatu permohonan loan diluluskan oleh koperasi.

    Anda boleh memohon Personal Loan HUSM Staff bank dan koperasi yang terdapat dalam laman web kami dan tertakluk kepada promosi dan dana yang dikeluarkan oleh bank kepada koperasi. Terdapat banyak koperasi yang anda boleh memohon dengan kadar interest yang menarik dan tidak membebankan situasi kewangan anda. Sekiranya anda mempunyai masalah CCRIS atau CTOS dan ingin tahu secara lebih mendalam, anda boleh membaca artikel ini

    1. Apakah itu CCRIS Bank Negara Malaysia BNM?
    2. 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:

    1. 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.
    2. 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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  • Semak Kelayakan Pinjaman Peribadi Anda Sekarang!

    Semak Kelayakan Pinjaman Peribadi Anda Sekarang!

    Kelayakan Pinjaman

    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!

    Personal Loan Eligibility Period

    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

    Personal Loan Eligibility Period

    Begini, persoalan yang selalu ditimbulkan untuk Personal Loan Eligibility Period ini adalah adakan saya dapat overlap loan tempoh 20 tahun dengan pembiayaan baru tempoh pembiayaan 10 tahun? Bolehkan mana-mana koperasi memberikan kelulusan pembiayaan saya nanti?

    Berdasarkan pengalaman yang lepas-lepas, untuk overlap loan 20 tahun ke 10 tahun berdasarkan Personal Loan Eligibility Period yang diterangkan tadi, amatlah sukar untuk pemohon membuat pinjaman peribadi. Ini kerana mustahil jumlah pembiayaan yang panjang boleh dipendekkan. Melainkan jika anda telah membayar pinjaman peribadi anda lebih dari 60% dari Personal Loan Eligibility Period yang saya sebutkan.

    Contohnya 20 tahun pembiayaan darab 60% jadinya anda telah membayar selama 12 tahun. Jadi anda tinggal 8 tahun lagi untuk habis bayar. Disarankan pada tahun ke 13 atau lebih anda sudah boleh menghubungi kami untuk membuat overlap. Mungkin anda tidak dapat banyak kerana dengan payout yang sekarang ini.

     #pinjamanperibadi #personalloan 

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  • Pinjaman Penjawat Awam Malaysia: Mohon Sekarang Kelulusan Segera!

    Pinjaman Penjawat Awam Malaysia: Mohon Sekarang Kelulusan Segera!

    Pinjaman Penjawat Awam Malaysia

    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!

    Malaysia Government Personal Loans
    Malaysia Federal Government Personal Loans

    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:

    1. 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.
    2. 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 

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  • Borang Pinjaman Peribadi Koperasi & Bank: Dapatkan Disini!

    Borang Pinjaman Peribadi Koperasi & Bank: Dapatkan Disini!

    Borang Pinjaman Peribadi

    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

    Borang Pinjaman Peribadi Koperasi Dan Bank

    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

    *Perlu sahkan 2 borang biro angkasa. Tatacara menyempurnakan borang Koperasi Pusamaju

    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:-

    1. Kuala Lumpur, Cheras, Bandar Sri Permaisuri, Ampang, Kg. Pandan, Pandan Jaya: Melalui appoinment, courier borang (menggunakan Pos Ekspress sampul keras), emel, download borang.
    2. Putrajaya ,Shah Alam, Serdang, Bangi, Subang, Sg. Buloh: Dapatkan dengan courier borang (menggunakan Pos Ekspress sampul keras), e-mel dan download borang.
    3. Kawasan Selangor: courier borang (menggunakan Pos Ekspress sampul keras), e-mel, download.
    4. Negeri-negeri Semenanjung Malaysia: courier borang (kiriman Pos Ekspress sampul keras), e-mel, download borang.
    5. 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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  • Pinjaman Peribadi Coshare: 100% Payout Sehingga RM200,000

    Pinjaman Peribadi Coshare: 100% Payout Sehingga RM200,000

    Pinjaman Peribadi Coshare

    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

    Pinjaman Peribadi Coshare Kuwait Finance House Personal Loan


    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.

    jadual pembayaran pinjaman peribadi i destinasi 3.99

    Coshare KFH 3.88%

    Coshare KFH 3.88%
    Coshare KFH 3.88%

    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.

    1. Kadar interest 3.88% flat rate (terendah dipasaran untuk kadar rata)
    2. Payout 80% dari jumlah pinjaman
    3. Proses 7-10 hari bekerja.
    4. Tempoh pinjaman minima 2 tahun dan maksima 10 tahun.
    5. Minima amaun pembiayaan adalah RM10,000.
    6. Maksimum pembiayaan adalah RM200,000.
    7. Pinjaman tanpa penjamin
    8. Single customer limit adalah RM200,000.
    9. Pemohon mestilah berjawatan tetap.
    10. Berkhidmat sekurang-kurangnya 1 tahun dari tarikh lantikan.
    11. Gaji minima permulaan adalah RM3,000.
    12. Terbuka kepada kakitangan full government (AG Only). Maksudnya semua kakitangan kerajaan persekutuan adalah LAYAK.
    13. Anggota polis LAYAK memohon.
    14. Promosi ini tidak dibuka kepada kakitangan kerajaan negeri dan badan berkanun.
    15. 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

    1. Nama Penuh :
    2. No I/C :
    3. Alamat Tetap :
    4. Alamat Sekarang :
    5. No Tel Bimbit :
    6. Bilangan Tanggungan :
    7. Taraf Perkahwinan :
    8. Bangsa :
    9. Agama :
    10. Taraf Pemilikan Rumah :
    11. Pendidikan Tertinggi :
    12. Alamat Email :
    13. Nama Ibu :
    14. Tempoh Menetap :

    MAKLUMAT PEKERJAAN PEMOHON

    1. Nama Majikan :
    2. Alamat Majikan :
    3. Jawatan :
    4. Tarikh Mula Berkhidmat :
    5. No. Tel. Pejabat :
    6. Gred :
    7. Bahagian / Jabatan :

    MAKLUMAT PASANGAN

    1. Nama Penuh Pasangan :
    2. No I/C Pasangan :
    3. Tarikh Lahir Pasangan :
    4. No Tel. Bimbit :
    5. Nama Majikan Pasangan :
    6. Alamat Penuh Majikan Pasangan :
    7. Gaji Pasangan :
    8. Tarikh Mula Berkhidmat :
    9. No. Tel Pejabat Pasangan :

    MAKLUMAT RUJUKAN SAUDARA TERDEKAT

    1. Nama Penuh :
    2. Alamat Tetap :
    3. No Tel. Bimbit :
    4. 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 untuk adalah seperti dibawah:

    1. IC & ID polis (jika ada) yang berwarna punya – WhatsApp
    2. anm & HRMIS password (pemohon perlu mencetak HRMIS sendiri kalau berjawatan polis)
    3. Salinan akaun bank masuk gaji (WAJIB)
    4. Surat opsyen untuk customer:
      • berumur 39 ke atas (kalau apply pakej 15 tahun)
      • berumur 45 ke atas (kalau apply pakej 10 tahun)
    5. Surat pengesahan* (WAJIB kalau apply KFH)

    *Untuk JCL, kalau majikan tak beri kerjasama, kena minta surat pengesahan

    Sila klik disini untuk mendapatkan details Pinjaman Peribadi Coshare KFH JCL Criteria

    Kelebihan

    • Low monthly commitment
    • Financing from RM10k to RM200K
    • Payout 80%
    • AG and Police only
    • State government
    • Badan berkanun layak memohon
    • DSR tinggi layak dan dialu-alukan.

    Borang

    • 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:-
      1. 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.
      2. Langkah 2: Pengiraan akan dibuat untuk menentukan samada anda layak atau tidak. Kami akan memaklumkan pakej yang bersesuaian dengan anda berdasarkan situasi kewangan anda.
      3. Langkah 3: Isi maklumat pemohon dan hantar.
      4. 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.
      5. Langkah 5: Hantar borang permohonan yang lengkap kepada kami.

    Sekiranya anda berminat untuk mendapatkan pinjaman peribadi ini, sila klik Borang COSHARE-KFH 3.88

    Cara Mohon

    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:

    1. 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.
    2. 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

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  • Bank Simpanan Nasional (BSN): Personal Loan RM200,000

    Bank Simpanan Nasional (BSN): Personal Loan RM200,000

    Al-Rajhi

    Al-Rajhi offering shariah compliant financing. Attractive rates and up to 10 years. Apply now!

    Read More

    Pinjaman Peribadi Al-Rajhi Personal Loan

    About

    Pinjaman Peribadi Al-Rajhi Personal Loan

    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

    1. Step 1 – Fax or email your NRIC, Military ID or Police ID and the Personal Financing-i application form
    2. 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)

    Koperasi Anggota RISDA Malaysia Berhad (KARISMA)

    Koperasi Anggota RISDA Malaysia Berhad (KARISMA)

    Koperasi Anggota RISDA Malaysia Berhad KARISMA
    Koperasi Anggota RISDA Malaysia Berhad KARISMA

    About Us

    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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  • Personal Loan Koperasi Kospeta Malaysia Berhad: Apply Now!

    Personal Loan Koperasi Kospeta Malaysia Berhad: Apply Now!

    Koperasi Kospeta Malaysia Berhad

    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.

    Koperasi Kospeta Malaysia Berhad

    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.

    1. Has a minimum share amount of RM3,000.00.
    2. Payment period up to 120 months.
    3. No guarantor and qualified to Permanent status member.
    4. Confirmation from the Employer and 2 witnesses.
    5. The TPTP charge is 3% of the financing amount.
    6. Latest original salary statement.
    7. Eligible to take Emergency financing of RM2,000.00 only.
    8. Not eligible to apply for other TPTP funding.
    9. Original and current salary statement.
    10. 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.

    1. Maximum funding eligibility can be given on a single member application or made in stages.
    2. If the financing is made in stages then the maximum eligibility is determined based on the first application.
    3. Financing can be made to a Guaranteed Financing scheme or 90% Financing on share capital.
    4. Previous financing has been settled in excess of 50% with payments made through salary deductions.
    5. Original and current salary statement.
    6. 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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  • RCE Capital Berhad: Corporate and Business

    RCE Capital Berhad: Corporate and Business

    RCE Capital Berhad

    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:

    1. Download and Complete the Application Form: Visit the official website of YIR or RCE Capital to download the loan application form.
    2. Submit Your Application: After completing the form, submit it to the relevant office for processing.
    3. Wait for Approval: Upon verification, your loan will be approved quickly, often within 3-5 business days.
    4. 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

    Phone: 03-4047 0888 (General Line)
    Fax: 03-4047 0856

    Why

    RCE Capital Berhad has transformed over decades, from its early days in mining to its current position as a key player in the financial services sector. With a strong focus on Shariah-compliant financing and quick loan disbursements, RCE Capital offers tailored financial solutions for both individuals and businesses, helping them manage cash flow and achieve long-term financial stability.

    RCE Capital Berhad Yayasan Ihsan Rakyat YIR Perlis



    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): Fully Shariah Compliant Financing!

    Yayasan Ihsan Rakyat (YIR): Fully Shariah Compliant Financing!

    Yayasan Ihsan Rakyat (YIR)

    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

    1. Competitive Interest Rates: Starting from 6.88%, YIR offers lower rates than many other personal loan providers.
    2. Quick Approval: The loan approval process takes 5 to 10 working days, ensuring fast access to funds.
    3. No Guarantor Required: No need to find a guarantor, making the loan process simpler.
    4. Payroll Deduction for Easy Repayment: Loan repayments are deducted directly from your payroll, making it hassle-free.
    5. 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

    Phone: 03-4047 0888 (General Line)
    Fax: 03-4047 0856

    Why Choose Yayasan Ihsan Rakyat for Your Personal Loan?

    • Shariah-compliant financing with competitive profit rates from 6.50% to 9.99% p.a.
    • Quick disbursement: Your funds are available within 48 hours upon approval.
    • No collateral required, making it easier for you to secure financing.
    • Flexible financing up to RM200,000 and repayment tenures of up to 10 years.
    • Available exclusively to Malaysian civil servants and employees of selected statutory bodies and GLCs.

    Whether you’re looking to finance your lifestyle, business, education, or medical needs, Yayasan Ihsan Rakyat offers a reliable and Shariah-compliant solution for Malaysian civil servants and eligible GLC employees. With fast processing and transparent terms, it’s the ideal choice for your financial needs.

    Yayasan Ihsan Rakyat
    pinjaman peribadi yayasan ihsan rakyat personal loan




    Summary

    • Article Title: Yayasan Ihsan Rakyat (YIR)
    • Category: #YIR #PersonalLoan 
    • Purpose: #Promotion 

    *Source: yir.com.my official website

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  • HSBC Personal Financing – Up to RM250,000 for All Customers

    HSBC Personal Financing – Up to RM250,000 for All Customers

    HSBC

    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

    HSBC Amanah Personal Loan

    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

    Pinjaman Peribadi HSBC Amanah Personal Loan

    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:

    1. You’re aged between 21 and 60
    2. Your monthly salary is RM3,0004 or above
    3. You are Malaysian or have Malaysian PR status
    4. 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:

    1. Copy of your NRIC
    2. 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:

    1. Copy of your NRIC
    2. Copy of the latest 3 months’ pay slips / copy of your bank statement showing salary credits into the account
    3. 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:

    1. Copy of your NRIC
    2. 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
    3. 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:

    1. Savings on school fees
    2. Enjoy discounts when you make a full upfront payment instead of paying on a semester basis.
    3. No early settlement fees
    4. Enjoy the flexibility of a full payment before the official settlement date, without having to pay any additional charges. Better cash flow management
    5. Enjoy access to available funds for other investments or financial opportunities.
    6. 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!

     #personalloan #Bank #HSBC 

    Contact HSBC Bank

    • Telephone: 1300 80 2626 (local)
      Telephone: 603 8321 5200 (overseas)
    • HSBC Amanah Premier (Banking & Cards)
      Local call number: 1300 88 9393
      International call number: +603 8321 5208
      International call number (Call Collect): +603 8321 5222
    • HSBC Amanah Banking and MPower Credit Card-i enquiries
      1300 80 2626 (local)
      603 8321 5200 (overseas)
    • HSBC Fusion
      1300 80 1998 (local)
      03-8321 8888 (overseas)
    • 1st Floor (South Tower
      No 2, Leboh Ampang, City Centre
      50100 Kuala Lumpur

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  • Hong Leong Bank Personal Loan: Apply Now!

    Hong Leong Bank Personal Loan: Apply Now!

    Hong Leong Bank (HLB)

    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.

    Pinjaman Peribadi Hong Leong Bank Personal Loan

    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

    Hong Leong Bank Personal Loan HLB

    For Online Applications

    Our rate is on a flat rate basis

    Facility AmountVerified Monthly IncomeFlat Interest/Profit RateFacility Tenure

    RM5,000 – RM250,000

    (up to RM150,000 Personal Financing-i)

    		RM2,000 – RM4,9997.00% 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 AmountVerified Monthly IncomeFlat Interest/Profit RateFacility Tenure

    RM5,000 – RM250,000

    (up to RM150,000 Personal Financing-i)

    		RM2,000 and above5.00% 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

    1. 20% Cash Back on interest
    2. Monthly instalments as low as RM130*
    3. Fast approval within 48 hours**
    4. Flexible repayment tenure of up to 5 years
    5. Minimum income eligibility of only RM24,000 per annum
    6. No guarantor and no collateral
    7. 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 Years5 Years2 Years5 Years
    5,00012.50%265140245130
    50,00011.00%2,5451,2952,3651,180
    100,00010.00%5,0002,5004,6702,395
    150,0009.00%7,3753,6256,9253,345

    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/ServiceCharges/Fees*
    Stamp Duty Fee0.50% of the disbursed facility amount for every approved facility
    IBG FeeA 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 SettlementNo 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

    *Subject to Government Tax, if applicable

     #personalloan #Bank #HLB 

    Contact Hong Leong Bank

    • Call Center: 03-7626 8899
      Collections Department: 03 7959 1888
      Media Related: 03 2081 8888
    • Hong Leong Bank Berhad
      Level 18, Menara Hong Leong,
      No 6, Jalan Damanlela,
      Bukit Damansara,
      50490 Kuala Lumpur
      Malaysia

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  • Citibank Personal Loan – Fast, Flexible & Hassle-Free Financing

    Citibank Personal Loan – Fast, Flexible & Hassle-Free Financing

    Citibank

    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.

    Personal Loan Citibank Credit Card

    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.

    1. Step 1: Fill up your Contact details
    2. Step 2: Fill up your Personal details
    3. Step 3:Fill up your Employment details In Principle Approval* of your Personal Loan application
    4. Step 4:Confirm loan terms that you wish to apply for
    5. 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)

    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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  • CIMB Bank Personal Loan: Apply Now!

    CIMB Bank Personal Loan: Apply Now!

    CIMB Bank

    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!

    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

    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

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  • MBSB Personal Loan: Apply Now!

    MBSB Personal Loan: Apply Now!

    MBSB Personal Loan

    Malaysia Building Society Berhad (MBSB) formerly known as Asian Finance Bank Berhad. For more information on financial products and services offered by MBSB Bank, kindly click here

    Pinjaman Peribadi MBSB Personal Financing Loan-i

    Summary

    • Bank Name: MBSB Personal Loan
    • Abbreviation / Code Name: 
    • Bank Promotion Name: General info

    About

    Malaysia Building Society Berhad is the financial holding company of MBSB Bank Berhad, formerly known as Asian Finance Bank Berhad. For more information on financial products and services offered by MBSB Bank, kindly visit the website at www.mbsbbank.com

    History in Brief

    The origin of Malaysia Building Society Berhad can be traced back to the Federal and Colonial Building Society Limited incorporated in 1950. In 1956, it changed its name to Malaya Borneo Building Society Limited (MBBS), with the Malaysian government as its major shareholder. MBBS was then listed on the Stock Exchange of Malaya and Singapore in August 1963.

    The company became an incorporation in Malaysia under the Companies Act 1965 on 17 March 1970, before it was listed on the Kuala Lumpur Stock Exchange, now Bursa Malaysia on 14 March 1972. The Employees Provident Fund (EPF) is currently the holding entity of MBSB.

    Corporate Highlights

    Has been granted with an exemption under Section 7(4) of the Borrowing Companies Act 1969 (BCA). As a result of the change from BCA to Finance Companies Act (FCA), all references to borrowing business and borrowing company were to be construed respectively as finance business and finance company. The FCA was later repealed by Banking and Financial Institutions Act 1989 (BAFIA). The BAFIA has been repealed and replaced with FSA 2013.

    On 6 November 2017, entered into the Share Purchase Agreement with the shareholders of Asian Finance Bank Berhad (“AFB/Vendors”) for the proposed acquisition by MBSB of the entire equity interest in AFB for an aggregate purchase of RM644,952,807.66 to be satisfied by way of cash amounting to RM396,894,036.26 and the issuance of 225,507,974 Consideration Shares at an issue price of RM1.10 per Consideration Share (“the Acquisition”).

    The Acquisition was approved by the shareholders on 23 January 2018. The shareholders also approved the transfer of Shariah Compliant Assets and Liabilities of MBSB to AFB via a Members’ Scheme of Arrangement. Pursuant to the abovesaid approval and upon completion of the transfer of shares and the payment of the balance of the purchase consideration to the Vendors, AFB became a wholly owned subsidiary of MBSB on 7 February 2018. AFB undertook a rebranding exercise on 2 April 2018 and changed its name to MBSB Bank Berhad.

    Product & Services

    MBSB Personal Financing-i

    Learn about our Shariah compliant personal financing solutions through our host of attractive packages that best suit your financing needs.

    Competitive financing rates

    • Financing amount of up to RM400,000
    • Financing tenure of up to 10 years
    • No guarantor required
    • No hidden charges
    • Fast approval
    • Applicable for public servant and private sector employees

    Public Sector Mumtaz-i BR + 2.15%/p.a

    • Financing Amount Financing amount of up to RM250,000
    • No guarantor required
    • Takaful coverage is optional
    • No early settlement charges
    • Fast Approval

    Afdhal-i BR + 3.35%/p.a

    • Financing Amount Financing amount of up to RM400,000
    • No guarantor required
    • Takaful coverage is optional
    • No early settlement charges
    • Fast Approval

    Private Sector BR + 7.95%/p.a

    • Financing Amount Financing amount up to RM300,000
    • No guarantor required
    • Takaful coverage is optional
    • No early settlement charges
    • Fast Approval

    Repayment Table

    Repayment Table​ For Government Sector (Mumtaz-i)

    Profit Rate (p.a.) as low as BR + 2.15% p.a.

    Mumtaz-i PF-i
    Tenures2345678910
    RM50,0002,1901,4951,154946808710636579533
    RM55,0002,4081,6441,2701,041889780699637587
    RM60,0002,6271,7931,3851,136970851763694640
    RM65,0002,8461,9431,5001,2301,050922826752693
    RM70,0003,0652,0921,6161,3251,131993890810746
    RM75,0003,2842,2421,7311,4191,2121,064954868800
    RM80,0003,5032,3911,8461,5141,2931,1351,017926853
    RM90,0003,9412,6902,0771,7031,4541,2771,1441,041959
    RM100,0004,3792,9892,3081,8921,6161,4191,2711,1571,066
    RM150,0006,5684,4833,4622,8382,4232,1281,9071,7351,599
    RM200,0008,7575,9974,6153,7843,2312,8372,5422,3142,132
    RM250,00010,9467,4715,7694,7304,0383,5463,1772,8922,664

    4.80% p.a (Effective Rate) / 2.52% p.a (Flat Rate equivalent for 3 years)

    Repayment Table​ For Government Sector (Afdhal-i)

    Profit Rate (p.a.) as low as BR + 3.35% p.a.

    Afdhal-i PF-i
    Tenures2345678910
    RM50,0002,2171,5221,182974836738665608563
    RM55,0002,4381,6741,3001,071920812731669619
    RM60,0002,6601,8261,4181,1691,003886798730676
    RM65,0002,8811,9781,5361,2661,087959864791732
    RM70,0003,1032,1301,6541,3641,1711,033931851788
    RM75,0003,3252,2821,7721,4611,2541,107997912844
    RM80,0003,5462,4341,8901,5581,3381,1811,064973901
    RM90,0003,9892,7382,1271,7531,5051,3281,1961,0941,013
    RM100,0004,4333,0432,3631,9481,6721,4761,3291,2161,126
    RM150,0006,6494,5643,5442,9212,5082,2131,9941,8241,688
    RM200,0008,8656,0854,7253,8953,3432,9512,6582,4312,251
    RM250,00011,0817,6065,9064,8694,1793,6893,3223,0392,814

    6.00% p.a (Effective Rate) / 3.17% p.a (Flat Rate equivalent for 3 years)

    Repayment Table​ For Private Sector-i

    Profit Rate (p.a.) as low as BR + 7.95% p.a.

    Private Sector PF-i
    Tenures2345678910
    RM50,0002,3221,6281,2901,085950854783729686
    RM55,0002,5541,7911,4191,1941,045939861802755
    RM60,0002,7861,9531,5481,3021,1391,025940875824
    RM65,0003,0182,1161,6771,4111,2341,1101,018948892
    RM70,0003,2502,2791,8061,5191,3291,1951,0961,020961
    RM80,0003,7142,6042,0641,7361,5191,3661,2531,1661,098
    RM90,0004,1792,9302,3221,9531,7091,5371,4091,3121,235
    RM100,0004,6433,2552,5802,1701,8991,7071,5661,4581,372
    RM150,0006,9644,8833,8703,2542,8482,5612,3492,1862,058
    RM200,0009,2856,5105,1604,3393,7973,4143,1312,9152,744
    RM250,00011,6068,1386,4505,4244,7464,2683,9143,6433,430
    RM300,00013,9279,7657,7406,5085,6955,1214,6974,3724,116

    10.60% p.a (Effective Rate) / 5.73% p.a (Flat Rate equivalent for 3 years)

     

    *Source: mbsbbank.com

    Contact MBSB Bank

    • Telephone: 03-2096 3000
    • Fax: 03-2096 3292
    • Wisma MBSB
      48, Jalan Dungun,
      Damansara Heights,
      50490 Kuala Lumpur

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  • Agrobank Personal Loan: Apply Now!

    Agrobank Personal Loan: Apply Now!

    Agrobank Personal Loan

    Agrobank is a leader in agriculture financing and values-based banking based (VBI)* in Malaysia. Read here to apply personal loan and latest promotion!

    About

    Established in 1969, Agrobank is actively involved in charting the growth and development of Malaysia’s agriculture industry by offering shariah compliant products and solutions across various customer segments including corporate, commercial, consumer, trade finance and micro financing customers. This is a full-fledged Islamic bank since 1st July 2015.

    As a market driven, customer centric DFI (Development Financial Institution) with a primary focus on strengthening the agriculture sector in Malaysia, Agrobank strikes an equal balance to its developmental and commercial roles to benefit the agriculture sector.

    Agrobank provides a comprehensive repertoire of financing solutions for the agriculture community; that includes upstream activities related to primary food and commodities-based agriculture activities to downstream activities such as processing, marketing and distribution of agricultural products. It also offers retail banking financing solutions to improve the well-being of the agriculture community.

    This is done through its network of 192 customer touch points including 138 branches, 1 agro banking, 1 virtual banking, 10 commercial financing centre, 34 kiosk, 8 agro corners & agro point. In 2019, Agrobank celebrates its golden jubilee Anniversary, as it marks 50 years of its proud establishment developing the agro industry.

    * VBI or value-based intermediation is an initiative by Bank Negara Malaysia (BNM) which aims to improve the products and services offered by Islamic financial institutions towards a better facilitation of entrepreneurship, community well-being, sustainable environment and economic growth, without compromising on shareholders’ returns

    Consumer Product & Services

    Hartani-i (Tawarruq)

    Hartani-i provides financing facility to the Government Servant or Private Sector Employees and Stable Income Earner for the purpose to purchase agriculture land. Purchase of land includes directly purchase from the vendor or through public auction or purchase of land that will be or have been auctioned by Bank Pertanian Malaysia Berhad. The Bank will only consider the financing if the land to be purchased has the individual title or the land has been sub-divided and/or the land which individual title is to be issued.

    Ar-Rahnu

    Pembiayaan Ar-Rahnu is a short-term Islamic Pawnbroking Facility that provides customer with instant cash access by accepting gold items as collateral.

    AgroCash-i

    AgroCash-i is a personal financing facility for customers for the purpose of consumer financing mainly related to agriculture and agro-based activity.
    The implementation of the product is based on Tawarruq transactions.

    Agrobank Personal Loan

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    Pinjaman Peribadi AgroBank Personal Loan

    Agrobank profit rate:

    • Government Employees Age between 18 to 60 or up to retirement age whichever is earlier
    • Permanent and have served for at least 6 months (confirmed or under probation)
    • RM1,000 gross salary per month
    • Customer is encouraged to take Skim Takaful Kredit
    • Financing Amount : Maximum RM200,000
    • Financing Tenure 10 years maximum

    GLC Staff BR + 3.67% /p.a

    GLC Staff Personal Loan BR + 3.67% /p.a

    • GLC Staff Age between 21 to 60 or up to retirement age whichever is earlier
    • Permanent staff and has been confirmed with at least one year of service
    • RM2,000 gross salary per month
    • Customer is encouraged to take Skim Takaful Kredit
    • Financing Amount : Maximum RM200,000
    • Financing Tenure 10 years maximum

     

    *Source: agrobank.com.my

    Contact Agrobank

    • Telephone: 603-2731 1600 +6 03 2079 0600 (INTL)
      Contact Centre: 1-300-88-2476
    • Agrobank Malaysia My office
      Leboh Pasar Besar, City Centre,
      50050 Kuala Lumpur
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