Tag: Promotion

  • 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 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

    Topik Terhangat & Trending

    Nak tahu cara urus pinjaman dengan lebih bijak? Kami kongsikan info penting tentang pinjaman bank, koperasi, dan cara urus wang dengan lebih mudah. Klik untuk teruskan membaca dan mula ubah cara anda berbelanja.

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  • 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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  • 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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