Temui bagaimana Koperasi Anggota Kerajaan Ipoh Berhad (KAKIB) menyediakan sokongan kewangan yang dibangunkan khas untuk penjawat awam Kerajaan Malaysia. Kuasai masa depan kewangan anda hari ini.
Mengenai Kami
Sijil Pematuhan Syariah
Koperasi Anggota Kerajaan Ipoh Berhad telah dianugerahkan Sijil Pematuhan Syariah oleh Angkatan Koperasi Kebangsaan Malaysia Berhad pada 30 Mei 2019. Ini merupakan usaha penting bagi memastikan produk-produk KAKIB selaras dengan prinsip-prinsip syariah, menjadikan perkhidmatan kepada ahli-ahli koperasi lebih baik.
Koperasi Anggota Kerajaan Ipoh Bhd telah diasaskan pada 27 Julai 1923 dan kini beroperasi di 111B, Bangunan Koperasi, Jalan Dato’Onn Jaafar, 30300 Ipoh, Perak. Keanggotaannya kini melebihi 6,000 orang.
Prestasi dan Pengurusan
Koperasi Anggota Kerajaan Ipoh Berhad juga menerima pelbagai anugerah, termasuk pengiktirafan sebagai koperasi terbaik dan berdaya maju. Terpilih sebagai salah satu daripada 100 koperasi terbaik di Malaysia, KAKIB diuruskan oleh 15 orang ahli Lembaga yang dipilih melalui Mesyuarat Agung Tahunan. Sejak penubuhannya, keanggotaannya terus berkembang dan kini melebihi 6000 orang.
Peranan
Gerakan koperasi yang semakin pesat di negara ini diharapkan menjadi penyumbang utama kepada KDNK. KAKIB sentiasa berusaha untuk menyediakan kemudahan dan manfaat yang seiring dengan aspirasi ekonomi negara. Walaupun hampir 90 tahun beroperasi, KAKIB terus mencari peluang untuk meningkatkan pendapatan koperasi dan memberikan sumbangan yang lebih besar kepada masyarakat.
Keanggotaan
Permohonan
Bagi mereka yang berminat untuk menjadi anggota Koperasi Anggota Kerajaan Ipoh Berhad (KAKIB), proses permohonan adalah mudah dan mudah difahami. Calon perlu mengisi borang permohonan dengan lengkap dan menyertakan dokumen sokongan seperti salinan penyata gaji bulan terakhir dan salinan kad pengenalan yang telah disahkan oleh pegawai/pengetua bersama dengan nama dan jawatan Yang Diberikan Kuasa.
Kelayakan
Keanggotaan KAKIB terbuka kepada kakitangan kerajaan, Agensi Kerajaan, Badan Berkanun, atau Pihak Berkuasa Tempatan di mana bayaran potongan bulanan anggota dapat dibuat melalui Biro Perkhidmatan ANGKASA (BPA). Walau bagaimanapun, terdapat beberapa syarat yang perlu dipenuhi untuk layak menjadi ahli:
Warganegara Malaysia: Calon mesti menjadi warganegara Malaysia yang sah.
Umur: Calon mesti telah mencapai umur lapan belas tahun pada tarikh memohon.
Tempat Tinggal atau Pekerjaan di Negeri Perak: Calon mesti menjadi penduduk tetap, bekerja, memiliki hartanah, atau bekerja di Negeri Perak.
Keupayaan Mental dan Kewangan: Calon tidak boleh dianggap tidak upaya dari segi mental atau muflis.
Jawatan Tetap: Calon mesti memegang jawatan tetap di dalam sektor kerajaan.
Dengan memenuhi syarat-syarat yang ditetapkan, individu berpeluang menjadi ahli KAKIB dan menikmati pelbagai manfaat yang ditawarkan oleh koperasi. Dengan keanggotaan di KAKIB, individu dapat menyertai komuniti koperasi yang aktif dan berusaha untuk memajukan kesejahteraan anggota.
PERKARA
BAYARAN MINIMA
Yuran
RM60
Syer
RM200.00 (10 BULAN X RM20)
Insurans Berkelompok
RM10.00
Simpanan Khas
(HAD MAKSIMUM ADALAH SEHINGGA 60% POTONGAN GAJI)
Dividen Tahunan
Koperasi Anggota Kerajaan Ipoh Berhad KAKIB memberikan dividen tahunan yang tinggi kepada anggota seperti berikut:-
DIVIDEN 2019 = 7.1%
DIVIDEN SIMPANAN KHAS 2019= 8%
Pembiayaan yang Fleksibel
Dalam usaha untuk memenuhi keperluan kewangan anda, kami di Koperasi Anggota Kerajaan Ipoh Berhad (KAKIB) gembira untuk menawarkan pelbagai pilihan pembiayaan yang fleksibel dan berpatutan. Kami memahami bahawa setiap individu mempunyai keperluan yang unik, oleh itu kami menyediakan beberapa jenis pembiayaan untuk memenuhi pelbagai keperluan anda.
Pembayaran Peribadi 3.90% /p.a
Jumlah Maksimum: RM 150,000
Had Umur: Tidak melebihi 54 tahun tanpa penjamin, dua penjamin diperlukan untuk mereka yang berumur 54 tahun ke atas.
Kelayakan Maksimum: Tidak melebihi 60% dari pendapatan bulanan.
Kadar Keuntungan: 3.9% setahun
Tempoh Bayaran Balik: 120 Bulan
Pembiayaan peribadi ini memberi anda kebebasan untuk menggunakan dana untuk apa sahaja, dari keperluan mendesak sehingga merancang percutian impian anda.
Pembiayaan Kredit 3.50% /p.a
Jumlah Maksimum: RM 150,000
Kelayakan Maksimum: Tidak melebihi 60% dari pendapatan bulanan.
Kadar Keuntungan: 3.5% setahun
Tempoh Bayaran Balik: 120 Bulan
Dengan kadar keuntungan yang rendah, pembiayaan ini adalah pilihan bijak untuk membeli barangan seperti kereta atau peralatan elektrik tanpa memberatkan kewangan anda.
Pembiayaan Aktiviti Perniagaan 3.50% /p.a
Jumlah Maksimum: RM 30,000
Kelayakan Maksimum: Tidak melebihi 60% dari pendapatan bulanan.
Kadar Keuntungan: 3.5% setahun
Tempoh Bayaran Balik: 120 Bulan
Untuk usahawan yang ingin memulakan atau memperluaskan perniagaan mereka, pembiayaan ini adalah pilihan yang sesuai dengan kadar keuntungan yang berpatutan.
Pembiayaan Pelbagai 3.90% /p.a
Jumlah Maksimum: RM 5,000
Kelayakan Maksimum: Tidak melebihi 60% dari pendapatan bulanan.
Kadar Keuntungan: 3.9% setahun
Pembiayaan ini menyediakan sokongan untuk pembayaran insurans, cukai jalan, dan peralatan kenderaan lain, memenuhi keperluan harian anda dengan mudah.
Jadi, tidak kira apa keperluan kewangan anda, KAKIB bersedia untuk membantu. Hubungi kami hari ini untuk maklumat lanjut dan mulakan perjalanan kewangan anda dengan yakin!
Perkhidmatan
Pajak Gadai Islam Ar Rahnu
Ar- Rahnu Kakib merupakan subsidiari milik penuh koperasi Anggota Kerajaan Ipoh Berhad (KAKIB) yang menjalankan pajak gadai Islam. Ar Rahnu KAKIB menawarkan pinjaman tunai segera yang bercagarkan barangan kemas sahaja.
Kategori
Maklumat
Kelayakan
Warganegara Malaysia, 18 Tahun ke atas
Upah Simpan
RM0.80 untuk setiap nilai
Nilai Simpanan
Maksima sehingga RM 25000 untuk setiap transaksi
Margin Pembiayaan
Sehingga 80% daripada nilai marhun
Tempoh Gadaian
Selama 6 bulan dan boleh diperbaharui
Jenis Barangan Kemas
Emas yang bermutu 18K sehingga 24K
Khairat Kematian
Koperasi Anggota Kerajaan Ipoh Berhad (KAKIB) menawarkan khairat kematian kepada ahli dan keluarga yang layak, memberikan sokongan kewangan dalam masa-masa sukar. Berikut adalah butiran bayaran khairat kematian:
Bayaran Khairat Kematian
RM1500.00: Atas kematian anggota KAKIB, dibayar kepada waris yang sah.
RM1000.00: Atas kematian suami atau isteri anggota.
RM500.00: Atas kematian ibu atau bapa anggota.
RM500.00: Atas kematian anak berumur di antara 2 minggu hingga 18 tahun.
Proses Tuntutan
Tuntutan boleh dibuat dalam tempoh 3 bulan dari tarikh kematian dengan mengemukakan dokumen yang lengkap. Ini memastikan bahawa waris anggota KAKIB dapat menerima bantuan kewangan yang diperlukan tanpa sebarang kelewatan.
Derma Pelajaran
KAKIB juga menyediakan derma pelajaran kepada anak-anak anggota yang berprestasi dalam pendidikan, sebagai insentif untuk terus cemerlang dalam bidang akademik. Berikut adalah kelayakan yang perlu dipenuhi untuk memohon derma pelajaran:
Kelayakan
Menjadi anggota KAKIB tidak kurang dari 3 tahun.
Anak kandung anggota atau anak tiri/angkat yang sah di sisi undang-undang (berdaftar).
Keputusan peperiksaan UPSR, PT3, SPM/SPVM, STAM, STPM, Matrikulasi, atau yang setaraf.
Proses Permohonan
Permohonan yang lengkap hendaklah sampai kepada KAKIB sebelum 31 Julai setiap tahun. Ini memastikan semua permohonan diproses dengan teliti dan anak-anak anggota yang layak menerima bantuan pelajaran yang sewajarnya.
KAKIB Safar Travel & Tours (KSTT)
KAKIB Safar Travel & Tours (KSTT) adalah subsidiari Koperasi Anggota Kerajaan Ipoh Berhad (KAKIB) yang dirasmikan pada 4 Disember 2018 oleh Encik Mohd Hizaz Bin Mohd Ibrahim, Pengarah Kementerian Pelancongan, Seni dan Budaya Malaysia Negeri Perak. KSTT menawarkan pakej umrah dan pelancongan dalam dan luar negara dengan harga berpatutan. Harga istimewa juga disediakan kepada anggota KAKIB.
Pembiayaan Khas
KAKIB menyediakan pembiayaan khas bagi pakej umrah dan pelancongan yang ditawarkan oleh KSTT untuk kemudahan anggota. Anggota yang berminat boleh menghubungi:
Telefon: 05-5252998 / 016-4216471
Facebook: KAKIBSAFARTRAVEL
KSTT komited untuk mewujudkan impian perjalanan anda dengan menyediakan perkhidmatan pelancongan yang berkualiti dan memuaskan.
Hubungi Koperasi Anggota Kerajaan Ipoh Berhad (KAKIB)
KOPERASI ANGGOTA KERAJAAN IPOH BERHAD NO. 111-B, TINGKAT 1 JALAN DATO’ ONN JAAFAR 30300 IPOH PERAK
Tel: 05-2540707 / 05-2535369
Koperasi Anggota Kerajaan Ipoh (KAKIB): Ringkasan
Tajuk Artikel: Koperasi Anggota Kerajaan Ipoh (KAKIB)
Kategori: #PinjamanPeribadi #Koperasi #KAKIB
Tujuan: #MaklumatAm
Sumber:kakib.my official website
Pinjaman Koperasi
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Koperasi AIM Berhad ataupun singkatannya KAIMB menyediakan pelbagai perkhidmatan perniagaan, termasuk pembiayaan perniagaan, latihan, insurans, dan peruncitan. Dengan prinsip-prinsip koperasi seperti keanggotaan sukarela, pengurusan demokratik, dan pembahagian keuntungan yang saksama, KAIMB berusaha memupuk semangat kerjasama di kalangan ahli dan koperasi. Melalui aktiviti-aktiviti seperti penyelidikan, pembekalan peralatan, dan perkhidmatan pencetakan, koperasi ini membantu meningkatkan pengetahuan dan kemahiran ahli-ahli serta kakitangan.
Sejarah
Koperasi Kakitangan AIM Berhad ditubuhkan di bawah Akta Koperasi 1993 dan didaftarkan pada 13hb Jun 1996 dengan Nombor Pendaftaran D-5-0214. Kemudian, koperasi menukarkan nama kepada Koperasi AIM Berhad pada 20hb Julai 2000.
Pada awal penubuhannya, KAIMB beroperasi di Lot 2425, KM 21 Jalan Pasir Puteh, 16400 Melor, Kota Bharu, Kelantan. Kini, koperasi telah berpindah ke No. 16, Jalan Matahari U5/AB, Seksyen U5, Bandar Pinggiran Subang, 40150 Shah Alam, Selangor, yang juga berperanan sebagai Ibupejabat Koperasi Amanah Ikhtiar Malaysia Berhad.
Penafian
Harap maaf. Laman web ini tidak menyediakan sebarang perkhidmatan pinjaman peribadi untuk Koperasi Kakitangan AIM Berhad (KAIMB). Kami hanya menyediakan maklumat asas koperasi untuk tuan/puan sebagai tanda kami menyokong semua koperasi di Malaysia. Laman web ini adalah bagi memudahkan sebarang urusan tuan/ puan dengan Koperasi Kakitangan AIM Berhad (KAIMB).
Sekian harap maklum.
Skop Aktiviti
Koperasi Kakitangan AIM Berhad (KAIMB) menjalankan pelbagai aktiviti perniagaan yang mematuhi garis panduan yang dibenarkan di bawah Akta Koperasi 1966. Aktiviti-aktiviti tersebut termasuk:
Rangkaian Peruncitan: Menyediakan pelbagai produk dan perkhidmatan untuk memenuhi keperluan pelanggan.
Perkhidmatan Insuran: Menawarkan pelan perlindungan insurans untuk ahli-ahli koperasi.
Pembiayaan Modal Niaga kepada Ahli-Ahli: Memberikan pembiayaan untuk memulakan atau memperluaskan perniagaan ahli-ahli.
Latihan dan Penyelidikan untuk Ahli-Ahli dan Kakitangan: Mengadakan program latihan dan penyelidikan untuk meningkatkan pengetahuan dan kemahiran ahli-ahli dan kakitangan.
Kontrak Pembekalan Peralatan Pejabat, Perabot, Komputer: Menyediakan peralatan pejabat, perabot, dan komputer kepada organisasi dan individu.
Pencetakan dan Pengiklanan: Menawarkan perkhidmatan pencetakan dan pengiklanan untuk keperluan promosi.
Jualan dan Perkhidmatan Peralatan Elektrik: Menjual dan menyediakan perkhidmatan untuk peralatan elektrik.
Kontrak Usahasama Kejuruteraan, Mekanikal dan Pengilangan: Melibatkan usahasama dalam projek kejuruteraan, mekanikal, dan pengilangan.
Prinsip Koperasi AIM Berhad
Koperasi Kakitangan AIM Berhad (KAIMB) mengamalkan prinsip-prinsip koperasi sebagai asas operasinya:
Keanggotaan sukarela dan terbuka.
Pengurusan yang demokratik.
Pulangan terhad ke atas modal yang disumbangkan oleh ahli.
Pembahagian keuntungan secara saksama.
Menggalakkan pendidikan koperasi dan perniagaan.
Memupuk semangat kerjasama di kalangan ahli dan koperasi.
Contact Koperasi Kakitangan AIM Berhad (KAIMB)
Koperasi AIM Berhad 16, Jalan Matahari Ab U5/Ab, Taman Nusa Subang, 40150 Shah Alam, Selangor
Tel: 03-78454501
Koperasi AIM Berhad (KAIMB): Ringkasan
Tajuk Artikel: Koperasi AIM Berhad (KAIMB)
Kategori: #Bank #Koperasi #KAIMB
Tujuan: #MaklumatAm
Sumber:kaimb.my and koperasiaimberhad.blogspot.com official website
Koperasi Product and Services
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Jika anda mencari kedai harga patut yang dapat dipercayai untuk memenuhi keperluan harian anda, Koperasi Iskandar Malaysia Berhad IMCoop adalah pilihan yang tepat. Dengan penekanan pada harga yang berpatutan tanpa mengorbankan kualiti, IMCoop telah membuka Kedai Harga Patut Muafakat Johor. Kedai ini menawarkan pelbagai barangan keperluan dengan harga yang bersaing, menjadikannya pilihan utama bagi penduduk tempatan di Kota Iskandar dan Wisma Persekutuan. Untuk maklumat lanjut mengenai produk yang ditawarkan dan lokasi kedai, jangan lepaskan peluang untuk melayari laman web IMCoop atau lawat kedai secara langsung!
Mengenai IMCOOP
IMCOOP, yang juga dikenali sebagai Koperasi Iskandar Malaysia Berhad, merupakan sebuah entiti yang bertujuan untuk membantu menangani kos sara hidup dan mengurangkan jurang ekonomi rakyat, khususnya di negeri Johor. Dalam usahanya untuk mencapai matlamat ini, IMCOOP telah mengambil pendekatan yang progresif dan menyeluruh dalam menyediakan pelbagai keperluan dan kepentingan rakyat dari pelbagai lapisan masyarakat.
Komitmen Koperasi Iskandar Malaysia Berhad (IMCoop) tidak terhenti hanya pada aspek perniagaan semata-mata, tetapi juga pada misi sosial yang memacu aspirasinya untuk menjadi peruncit terkemuka bertaraf dunia di Johor. Dengan menggunakan kaedah peruncitan yang pelbagai dan rantaian bekalan yang canggih, Koperasi Iskandar Malaysia Berhad (IMCoop) mampu menyesuaikan diri dengan keperluan pelanggan yang sentiasa berubah sambil memelihara tekad untuk menyumbang kepada kemakmuran dan kesejahteraan masyarakat setempat.
Kegiatan dan Keanggotaan IMCoop
imCoop, sebuah koperasi yang beroperasi di Wilayah Iskandar Malaysia, telah ditubuhkan pada 14 November 2014. Sejak penubuhannya, imCoop telah berusaha untuk menyediakan perkhidmatan yang berkualiti kepada masyarakat setempat.
Falsafah
Falsafah utama imCoop adalah untuk menjadi yang terbaik dalam bidangnya agar dapat memberi sumbangan yang berkesan kepada masyarakat. Dengan memegang teguh falsafah ini, imCoop berusaha untuk memastikan setiap perkhidmatan dan produk yang disediakan mencapai standard yang tinggi.
Kegiatan
Salah satu inisiatif utama imCoop adalah untuk mewujudkan 150 rangkaian kedai harga patut dalam tempoh tiga tahun di beberapa lokasi di Wilayah Iskandar Malaysia. Ini bertujuan untuk menyediakan akses yang mudah kepada barangan keperluan asas dengan harga yang berpatutan kepada penduduk tempatan.
Keahlian
imCoop membuka pintu keahlian kepada semua Koperasi Asas yang berdaftar dan beroperasi di Wilayah Iskandar Malaysia. Dengan memperluaskan jaringan keahlian, imCoop dapat memperkukuhkan lagi peranannya dalam menyokong pertumbuhan ekonomi dan kesejahteraan masyarakat setempat.
Dengan menyusun aktiviti-aktiviti ini, imCoop tidak hanya menjadi sebuah entiti perniagaan tetapi juga menjadi wakil bagi pembangunan ekonomi dan sosial di Wilayah Iskandar Malaysia. Melalui pendekatan ini, imCoop berharap dapat terus memberi manfaat yang berkekalan kepada masyarakat setempat serta menyumbang kepada pembangunan negara secara keseluruhan.
Visi, Misi & Objektif
Koperasi Iskandar Malaysia Berhad (IMCoop), sebuah koperasi yang berpandangan jauh, mengetengahkan visi, misi, dan objektif yang jelas sebagai landasan untuk mencapai matlamatnya dalam membantu masyarakat Iskandar Malaysia.
Visi
Visi Koperasi Iskandar Malaysia Berhad (IMCoop) adalah untuk menubuhkan rangkaian kedai harga patut lengkap dengan sistem pengedaran dan rangkaian terkini. Ini bertujuan untuk membantu ahli dan warga Iskandar Malaysia dalam menangani kos sara hidup dan meningkatkan kesejahteraan. Selain itu, imCoop juga berazam untuk menjalankan perniagaan dan perkhidmatan yang mampu bersaing secara kompetitif dalam pasaran kebangsaan, serta mewujudkan peluang kerjaya dan keusahawanan kepada warga Iskandar Malaysia.
Misi
Misi utama Koperasi Iskandar Malaysia Berhad (IMCoop) adalah untuk menjadi sebuah koperasi model yang mempunyai kelestarian dan kemampanan yang dapat dibanggakan. Dalam usaha mencapai misi ini, imCoop bertekad untuk meningkatkan kesejahteraan hidup, khususnya kepada ahli imCoop dan secara keseluruhannya kepada semua warga Iskandar Malaysia.
Objektif
Menubuhkan Rangkaian Kedai Harga Patut: Koperasi Iskandar Malaysia Berhad (IMCoop) berusaha untuk menubuhkan rangkaian kedai harga patut lengkap dengan sistem pengedaran dan rangkaian terkini. Langkah ini bertujuan untuk membantu ahli dan warga Iskandar Malaysia dalam menangani kos sara hidup serta meningkatkan kesejahteraan mereka.
Membangun Perniagaan dan Perkhidmatan yang Kompetitif: Koperasi Iskandar Malaysia Berhad (IMCoop) tidak hanya bertujuan untuk menyediakan perkhidmatan, tetapi juga untuk menjalankan perniagaan yang mampu bersaing secara kompetitif dalam pasaran kebangsaan. Dengan ini, imCoop dapat memastikan keberlanjutan perniagaan sambil memberikan nilai tambah kepada masyarakat.
Mewujudkan Peluang Kerjaya dan Keusahawanan: Selain daripada itu, Koperasi Iskandar Malaysia Berhad (IMCoop) juga berazam untuk mewujudkan peluang kerjaya dan keusahawanan kepada warga Iskandar Malaysia. Ini bertujuan untuk memberikan akses kepada penduduk tempatan untuk memperoleh pendapatan serta menggalakkan pembangunan ekonomi setempat.
Dengan mematuhi visi, misi, dan objektif ini, imCoop berharap dapat terus menjadi pemangkin pembangunan dan kemakmuran bagi masyarakat Iskandar Malaysia, serta memberikan sumbangan yang signifikan kepada ekonomi negara secara keseluruhan.
Contact Koperasi Iskandar Malaysia Berhad (IMCoop)
Koperasi Iskandar Malaysia Berhad IMCoop NO 78, 78-01, 78-02, JALAN ECO-CASCADIA 6/2, TAMAN SETIA ECO CASCADIA 81100 Johor Bahru, Johor Malaysia
Call Center: 07-364 3229
Koperasi Iskandar Malaysia (IMCoop): Ringkasan
Tajuk Artikel: Koperasi Iskandar Malaysia (IMCoop)
Kategori: #Bank #Koperasi #IMCoop
Tujuan: #MaklumatAm
Sumber:Koperasi Iskandar Malaysia (IMCoop) official website
Koperasi Product and Services
We cover all koperasi across Malaysia, providing a wide range of products and services. Explore the options below to discover useful information and easily contact the koperasi that meets your needs. Unlock the benefits of various koperasi offerings available nationwide!
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Discover the convenience and flexibility of HSBC Amanah personal loan, designed to meet your diverse financial needs. With competitive rates and tailored solutions, achieving your goals is now within reach. Apply today for hassle-free financing.
A Global Financial Powerhouse
HSBC stands tall as one of the foremost global banking and financial services institutions, with a staggering customer base exceeding 40 million across various sectors. Operating across 64 countries and territories, our core businesses encompass Wealth and Personal Banking, Commercial Banking, and Global Banking & Markets. Listed on prominent stock exchanges including London, Hong Kong, New York, and Bermuda, HSBC Holdings plc boasts a diverse shareholder base of approximately 197,000 stakeholders spread across 130 countries and territories.
Unraveling HSBC’s Footprint in Malaysia
Tracing back to 1884, HSBC’s journey in Malaysia commenced with the establishment of its inaugural office in Penang by The Hongkong and Shanghai Banking Corporation Limited. Over the decades, HSBC’s presence flourished, marked by significant milestones. Notably, the acquisition of the Mercantile Bank in 1959 added a robust layer to HSBC’s operations, with roots dating back to 1860.
Expansion and Evolution
The early 20th century witnessed a rapid expansion drive by HSBC across Malaysia. Branches sprouted in key cities and regions, including Malacca, Ipoh, Kuala Lumpur, Johor Bahru, and Kota Bharu, reflecting the bank’s commitment to serving diverse communities. Throughout the 1920s and 1930s, HSBC continued its growth trajectory, establishing branches in Sungai Petani, Kuantan, Muar, and Kuala Terengganu, thereby solidifying its foothold in the region.
Pioneering Islamic Finance
In alignment with Malaysia’s burgeoning Islamic finance landscape, HSBC ventured into Takaful operations in 2006, marking a significant milestone in its Malaysian journey. HSBC Amanah Takaful (Malaysia) Sdn Bhd emerged as a testament to HSBC’s commitment to fostering financial inclusivity and innovation in the region. Despite its brief foray into the Takaful manufacturing sector, HSBC’s core focus remained steadfast on fortifying its banking and wealth operations.
Championing Islamic Banking
Recognizing the burgeoning demand for Shariah-compliant financial solutions, HSBC Bank Malaysia pioneered Islamic banking operations in 2007, securing an Islamic banking subsidiary license. This milestone paved the way for the inception of HSBC Amanah Malaysia Berhad in August 2008, solidifying HSBC’s commitment to serving Malaysia’s diverse financial needs. With a robust network comprising over 60 branches, a significant proportion represents HSBC Amanah Malaysia Berhad outlets, highlighting HSBC’s dedication to fostering Islamic finance accessibility.
Enduring Legacy in Malaysia
HSBC’s journey in Malaysia mirrors its global commitment to fostering financial resilience and inclusivity. From its humble beginnings in Penang to pioneering Islamic finance solutions, HSBC continues to redefine the financial landscape, propelling Malaysia towards greater economic prosperity. With a steadfast focus on innovation and customer-centricity, HSBC remains poised to navigate the ever-evolving financial terrain, empowering individuals and businesses to realize their aspirations.
HSBC Amanah Personal Financing-i
Overview of Financing Solutions
HSBC Amanah Personal Financing-i offers a comprehensive suite of financial solutions tailored to meet your diverse needs. With financing options extending up to RM250,000 and monthly payments starting as low as RM109, embracing every new chapter in life becomes a reality with unparalleled financial peace of mind.
Personal Loans for Existing Customers
For existing customers, whether it’s for personal or business purposes, HSBC Amanah Personal Financing-i stands as your trusted ally in achieving your goals. Enjoy flat rates as low as 7.5% p.a., ensuring affordability and accessibility. Eligibility criteria include being aged between 21 and 60, a minimum monthly salary of RM3,000, and Malaysian citizenship or Malaysian Permanent Resident (PR) status.
Exclusive Benefits for Existing Premier Customers
Exclusive to existing Premier customers, HSBC Amanah Premier Personal Financing-i offers an enticing flat profit rate of 4.88% p.a. Elevate your financial journey with personalized solutions designed to align with your premier status. To qualify, the primary account holder must be at least 21 years old with a minimum total relationship balance of RM200,000 with HSBC or Amanah, or by meeting other Premier Eligibility Criteria.
Personal Loans for New Customers
Even if you’re not yet an HSBC Amanah customer, you can still benefit from our exceptional offerings. New customers are invited to apply and experience the advantages firsthand. Eligibility criteria include being aged between 21 and 60, a minimum monthly salary of RM5,000, and Malaysian citizenship or Malaysian PR status.
Personal Loan to Existing Eustomers
HSBC Personal Loan for Existing Customers
Competitive Profit Rate
Enjoy a competitive profit rate from as low as 7.5% per annum with HSBC’s Personal Loan for existing customers.
Flexible Repayment Options
Experience financial flexibility with monthly payments as low as RM109, tailored to suit your budget and financial goals.
Generous Financing Amount
Secure financing ranging from RM50,000 to RM250,000, empowering you to address various financial needs with ease.
Hassle-Free Process
Benefit from a hassle-free application process with no stamp duty, processing fee, or early settlement fee, ensuring transparency and convenience throughout your loan tenure.
Versatile Payment Tenure
Choose a payment tenure that aligns with your financial strategy, ranging from 2 years to 7 years, offering ample flexibility and control over your repayment schedule.
Instant Cash Disbursement
Experience seamless access to funds with instant cash disbursement upon approval, providing immediate financial relief when you need it most.
Shariah Compliant
Rest assured, our Personal Loan is Shariah-compliant, adhering to ethical and Islamic principles in all aspects of financing.
Debt Consolidation Option
Leverage the opportunity to consolidate your debt seamlessly, streamlining your financial obligations and enhancing your financial well-being.
Personal Loan for Existing Premier Customers
Exclusive Profit Rate
As an existing Premier customer, benefit from an exclusive fixed profit rate of 4.88% per annum with HSBC’s Personal Loan.
Enhanced Affordability
Experience enhanced affordability with monthly payments as low as RM96, tailored to complement your premier status and financial objectives.
Wide Financing Range
Access financing ranging from RM6,000 to RM250,000, empowering you to pursue various personal and financial endeavors with confidence.
Transparent Terms
Enjoy transparent terms with no stamp duty, processing fee, or early settlement fee, ensuring a straightforward and cost-effective borrowing experience.
Flexible Payment Tenure
Select a payment tenure that suits your preferences and financial strategy, ranging from 2 years to 7 years, offering optimal flexibility and control over your repayment journey.
Instant Cash Disbursement
Access funds instantly upon approval, with cash disbursed directly into your HSBC or Amanah Premier account, facilitating swift and convenient access to financial resources.
Shariah Compliance
Rest assured, our Personal Loan for existing Premier customers is Shariah-compliant, adhering to ethical and Islamic principles in accordance with your beliefs and values.
HSBC Personal Loan for New Customers
Competitive Profit Rate
Avail a competitive profit rate starting from as low as 10.5% per annum with HSBC’s Personal Loan for new customers.
Affordable Monthly Payments
Enjoy affordable monthly payments, starting as low as RM163, ensuring ease of repayment and financial convenience.
Flexible Financing Range
Secure financing ranging from RM6,000 to RM120,000, providing flexibility to address various financial needs and aspirations.
Transparent Fees
Experience transparency and cost-effectiveness with no stamp duty, processing fee, or early settlement fee, ensuring a hassle-free borrowing experience.
Flexible Payment Tenure
Select a payment tenure that suits your financial preferences, ranging from 2 years to 5 years, offering flexibility and control over your repayment schedule.
Instant Cash Disbursement
Access funds instantly upon approval, facilitating immediate access to financial resources to address your pressing needs.
Shariah Compliance
Rest assured, our Personal Loan is Shariah-compliant, aligning with ethical and Islamic principles to cater to your beliefs and values.
Personal Financing-i Education
Fulfilling Your Child’s Educational Dreams
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 fulfill not only your child’s dreams but yours as well.
Benefits
Apply for HSBC Amanah Personal Financing-i (Education) and enjoy:
Savings on School Fees: Enjoy discounts when you make a full upfront payment instead of paying on a semester basis.
No Early Settlement Fees: Benefit from the flexibility of a full payment before the official settlement date, without having to pay any additional charges.
Better Cash Flow Management: Enjoy access to available funds for other investments or financial opportunities.
Anytime Money
Anytime Money is hassle-free personal financing that allows you to leap into what you want, faster and easier. Based on the Shariah principle of Commodity Murabahah. And the best part? No guarantor, no collateral, and fast approval!
Contact HSBC Bank Malaysia
1st Floor (South Tower) No 2, Leboh Ampang, City Centre 50100 Kuala Lumpur
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Unlock your potential and achieve your best financial goals with a Hong Leong Bank personal loan. Offering flexible terms, competitive rates, and a hassle-free application process, Hong Leong Bank provides the ideal solution for managing your finances. Whether you need to consolidate debt, fund a major purchase, or invest in your future, our personal loan options are designed to support your journey towards financial empowerment. Apply today and take the first step towards a brighter financial future with Hong Leong Bank.
Introduction
Hong Leong Bank Berhad, a prominent regional financial institution headquartered in Kuala Lumpur, Malaysia, extends its reach across various geographies, including Singapore, Hong Kong, Vietnam, Cambodia, and China. The bank’s core focus lies in leveraging technology to enhance financial capabilities, ensuring unparalleled service delivery to clients across its operational territories.
Origins and Heritage
Tracing its roots back to 1905, Hong Leong Bank Berhad, initially known as Kwong Lee Mortgage and Remittance Company, commenced its journey in Kuching, Sarawak. Over the years, it evolved into Kwong Lee Bank Limited in 1934, boasting a rich heritage as one of Malaysia’s oldest local financial institutions.
Evolution under MUI Group
In May 1982, Kwong Lee Bank Berhad was acquired by the MUI Group and subsequently rebranded as Malayan United Bank Berhad in February 1983. The bank experienced significant expansion under the MUI Bank banner, growing from 11 to 35 branches nationwide, thereby solidifying its presence in the Malaysian banking landscape.
Acquisition by Hong Leong Group
In a strategic move, the Hong Leong Group acquired MUI Bank Berhad on 3 January 1994, through Hong Leong Credit Berhad, which is now known as Hong Leong Financial Group Berhad. Following the acquisition, the bank was rebranded as Hong Leong Bank Berhad, marking the onset of a new era for the institution.
Growth and Expansion
Subsequently, Hong Leong Bank Berhad made its debut on the Kuala Lumpur Stock Exchange on 17 October 1994, experiencing exponential growth through organic initiatives and strategic mergers and acquisitions. Today, the bank stands as Malaysia’s fifth-largest banking group by assets, boasting assets exceeding RM220 billion as of 30 June 2020. Additionally, it ranks as the fourth-largest banking group by market capitalization, showcasing its robust position in the financial market.
HLB Personal Loan
Tailored Banking Solutions for Your Needs
Experience unparalleled convenience and financial flexibility with Hong Leong Bank (HLB) personal loan, Malaysia’s premier banking solution tailored to your needs. Embrace the opportunity to secure the best financing options available in the market by applying today with the best bank in Malaysia!
Features and Benefits:
20% Cash Back on Interest: Enjoy substantial savings on your loan repayments with this exclusive offer.
Monthly Instalments as Low as RM130: Manage your finances with ease with low monthly instalments.
Fast Approval within 48 Hours: Access funds swiftly with our lightning-fast approval process.
Flexible Repayment Tenure of Up to 5 Years: Tailor your repayment schedule to suit your financial situation.
Minimum Income Eligibility of Only RM24,000 per Annum: Qualify for our personal loan with ease.
No Guarantor and No Collateral: Enjoy hassle-free borrowing without the need for additional security.
5-Minute Loan Approval at am
Convenient Banking: Apply for your loan anytime, anywhere with our convenient banking services.
Eligibility:
Malaysian Citizens Only, Aged Between 21 to 60 Years Old: Our personal loan is exclusively available to Malaysian citizens within a certain age range.
Minimum Annual Income of RM24,000 per Annum: Ensure you meet the minimum income requirement to qualify for our personal loan.
Additional Offer:
Take Advantage of Our Hong Leong Bank 4.38% p.a. Low Flat Rate: Benefit from our competitive interest rate for greater affordability.
Please note that the 48-hour loan approval is subject to terms and conditions. Apply now to enjoy the benefits of Hong Leong Bank personal loan and take the first step towards achieving your financial goals. Terms and conditions apply, so contact us now to learn more and seize this incredible opportunity.
Interest/Profit Rate and Installments
Interest/Profit Rate for Online Applications 1
Our rate is on a flat rate basis
Facility Amount (RM)
Verified Monthly Income (RM)
Flat Interest/Profit Rate (p.a.)
Facility Tenure (Years)
RM5,000 – RM250,000 (Up to RM150,000 Personal Financing-i)
RM2,000 – RM4,999
7.00% p.a.
2 to 5 years
Note: The effective interest/profit rates vary as follows for loan/financing-i tenure from 2 – 5 years:
Flat interest/profit rate 5.00% p.a.: Effective interest/profit rates vary from to 9.15% p.a. to 9.32% p.a.
Flat interest/profit rate 7.00% p.a.: Effective interest/profit rates vary from to 12.50% p.a. to 12.91% p.a.
0.50% of the facility amount will be deducted upon disbursement for stamp duty payable.
Interest/Profit Rate for Connect Online Banking Applications 2
Our rate is on a flat rate basis
Facility Amount (RM)
Verified Monthly Income (RM)
Flat Interest/Profit Rate (p.a.)
Facility Tenure (Years)
RM5,000 – RM250,000 (Up to RM150,000 Personal Financing-i)
RM2,000 and above
5.00% p.a.
2 to 5 years
Note: Effective interest/profit rates vary from 9.15% p.a. to 9.32% p.a. depending on loan/financing-i tenures from 2 years to 5 years.
0.50% of the facility amount will be deducted upon disbursement for stamp duty payable.
Online Application Interest/Profit Rates
Flat Rate Offer: 5.00% p.a.
Hong Leong Bank (HLB) presents an enticing flat rate, commencing from 5.00% per annum, for customers opting for online loan applications. This offer provides borrowers with a competitive advantage in managing their financial needs efficiently.
Facility Amount: The loan amount ranges from a minimum of RM5,000 to a maximum of RM250,000, ensuring flexibility to accommodate various financial requirements.
Verified Monthly Income: Individuals with verified monthly incomes falling within the range of RM2,000 to RM4,999 are eligible for a special interest rate of 7.00% p.a., further enhancing affordability and accessibility.
Facility Tenure: Borrowers have the liberty to select a repayment tenure spanning from 2 to 5 years, allowing for personalized financial planning and budgeting.
Note: While the flat rate provides a clear starting point, borrowers should consider the effective interest/profit rates, which may range between 9.15% p.a. to 9.32% p.a., depending on the tenure of the loan/financing-i, extending from 2 to 5 years.
HLB Connect Online Banking Application Rates
Profit Rate: 5.00% p.a.
For applicants utilizing the HLB Connect Online Banking platform, Hong Leong Bank offers a competitive profit rate of 5.00% per annum. This exclusive rate is designed to cater to the evolving needs of modern-day customers, ensuring convenience and accessibility.
Facility Amount: Similar to online applications, the loan facility amount ranges from RM5,000 to RM250,000, providing borrowers with ample financial flexibility to address diverse needs and aspirations.
Verified Monthly Income: Eligibility for this profit rate is extended to individuals with a verified monthly income of RM2,000 and above, reflecting HLB’s commitment to inclusivity and customer-centricity.
Facility Tenure: Borrowers can choose a repayment tenure ranging from 2 to 5 years, allowing for personalized financial management and planning in alignment with individual preferences and requirements.
Note: While the profit rate of 5.00% p.a. offers an attractive proposition, borrowers should be mindful of the effective interest/profit rates, which may vary between 9.15% p.a. to 9.32% p.a., depending on the tenure of the loan/financing-i, spanning from 2 to 5 years.
Repayment Table
Please refer to the Hong Leong Bank (HLB)’s personal loan repayment table below for detailed information regarding repayment schedules and terms.
Loan Amount (RM)
Interest Rate (p.a.)
Monthly Instalment (RM) – 2 Years
Monthly Instalment (RM) – 5 Years
Monthly Instalment During Cash Back Period (RM) – 2 Years
Monthly Instalment During Cash Back Period (RM) – 5 Years
5,000
12.50%
265
140
245
130
50,000
11.00%
2,545
1,295
2,365
1,180
100,000
10.00%
5,000
2,500
4,670
2,395
150,000
9.00%
7,375
3,625
6,925
3,345
Note:
Flat interest rate ranges 9.00% per annum – 12.50% per annum depending on loan amount, income and tenure.
Effective Interest Rate ranges from 12.38% – 22.42% per annum.
The above table serves as illustration purpose only, with the assumptions of customer with a minimum monthly income of RM4,000 and above.
Actual monthly instalment will be rounded up to the nearest RM5.
Fees and Charges
Transparent Breakdown for Informed Decisions
For details regarding fees and charges applicable to Hong Leong Bank (HLB)’s personal loan, please refer to the information provided below. This comprehensive breakdown ensures transparency and clarity regarding any associated costs, allowing you to make informed decisions regarding your loan.
Description/Service Charges/Fees*
Stamp Duty Fee: 0.50% of the disbursed facility amount for every approved facility
IBG Fee: A nominal fee of RM2.00 will be charged on every Interbank Giro (IBG), if any
Late Payment Charge
(Applicable to Personal Loan)
1% p.a. on the arrears of outstanding for each facility (daily rest basis)
Early Settlement
No charges/fees to be imposed provided 3 months’ written notice is given to the Bank prior to the early settlement. Otherwise, payment of 3 months’ interest on the amount redeemed is applicable.
(For Personal Financing-i, payment in lieu of notice is not applicable – customers are required to provide 3 months’ written notice should they opt for early settlement)
Compensation Charges
(applicable to Personal Financing-i)
For default payment during facility tenure = 1% p.a. on the overdue installment 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
Contact Hong Leong Bank
Hong Leong Bank Berhad
Level 18, Menara Hong Leong, No 6, Jalan Damanlela, Bukit Damansara, 50490 Kuala Lumpur Malaysia
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CoopUSMA, Koperasi Warga USM Universiti Sains Malaysia Kelantan Berhad, menawarkan pelbagai perkhidmatan dan produk kepada komuniti dengan kepakaran dalam pembiayaan peribadi, peruncitan, dan banyak lagi. Dengan had maksima pinjaman RM100 ribu dan kadar faedah yang kompetitif bermula dari 4% setahun, koperasi ini berusaha memenuhi keperluan kewangan pelanggan dengan cekap dan berkesan. Sebagai pilihan utama untuk keperluan kewangan dan belanja harian, CoopUSMA terus berusaha memberikan nilai tambah kepada ahli dan masyarakat setempat
Mengenai CoopUSMA
Pendaftaran dan Perubahan Nama
Pada 12 Jun 2000, koperasi ini didaftarkan dengan nama “Koperasi Kakitangan Universiti Sains Malaysia Kelantan Berhad (KKUSMKB)”. Kemudian, semasa mesyuarat agung ke-2 pada tahun 2002, koperasi ini mengalami perubahan nama kepada “Koperasi Warga Universiti Sains Malaysia Kelantan Berhad (KWUSMKB)”. No. pendaftaran dengan Jabatan Pembangunan Koperasi adalah D-3-0261, dan No. Keahlian ANGKASA 2754/KN219. Kini, koperasi ini dikenali sebagai COOPUSMA, menandakan kesinambungan dan perkembangan dalam perkhidmatannya.
Milik Bumiputera
Sebagai lambang kepemilikan dan penglibatan komuniti tempatan, COOPUSMA, Koperasi Warga USM Universiti Sains Malaysia Kelantan Berhad, dimiliki sepenuhnya oleh kaum Bumiputera. Hal ini menunjukkan komitmen untuk memajukan ekonomi dan kesejahteraan masyarakat tempatan.
Perkhidmatan yang Ditawarkan
Koperasi Warga USM Universiti Sains Malaysia Kelantan (CoopUSMA) tidak hanya menyediakan satu atau dua perkhidmatan, tetapi pelbagai perkhidmatan yang berkualiti kepada komuniti. Antara perkhidmatan yang ditawarkan termasuklah:
Kemudahan Kredit (Pinjaman Bai Al-Einah)
Coop Mart (Peruncitan)
Kopitiam Lestari (Makanan)
Kompleks Perkembangan Kanak-kanak (ECCE)
Perkhidmatan Kesihatan (Ambulan, Sports Rehab & Home Care)
Penyewaan Bangunan
Kilang Air Osmosis Lestari
Kays Exclusive Motel
E-Coopmart (E-Dagang)
Hartanah
Subsidiari
Evolusi COOPUSMA
Permulaan dan Pendaftaran Awal (12 Jun 2000)
Koperasi Warga USM Kelantan Berhad (COOPUSMA) bermula dengan pendaftaran asalnya pada 12 Jun 2000 dengan nama “Koperasi Kakitangan Universiti Sains Malaysia Kelantan Berhad (KKUSMKB)”. Ditubuhkan dengan visi untuk melayani ahli-ahli Universiti Sains Malaysia Kelantan, KKUSMKB memulakan perjalanan untuk menyediakan sokongan kewangan dan perkhidmatan koperasi kepada komunitinya.
Transformasi ke KWUSMKB (2002)
Semasa mesyuarat agung kedua pada tahun 2002, koperasi mengalami transformasi penting yang membawa kepada perubahan namanya kepada “Koperasi Warga Universiti Sains Malaysia Kelantan Berhad (KWUSMKB)”. Perubahan ini mencerminkan skop inklusiviti yang lebih luas, merangkumi bukan hanya kakitangan universiti tetapi juga komuniti yang lebih meluas yang berkaitan dengan Universiti Sains Malaysia Kelantan.
Maklumat Pendaftaran Rasmi
Dengan dedikasinya kepada pematuhan dan kesahan, COOPUSMA memegang nombor pendaftaran D-3-0261 dengan Jabatan Pembangunan Koperasi. Selain itu, ia berkaitan dengan ANGKASA di bawah nombor keahlian 2754/KN219, mengukuhkan statusnya sebagai entiti koperasi yang diiktiraf dalam pergerakan koperasi di Malaysia.
Pembaharuan Nama kepada COOPUSMA
Dalam usaha untuk menyelaraskan identitinya dan mengukuhkan komitmen kepada ahli-ahli dan komuniti, koperasi menjalani inisiatif pemerkasaan semula, yang menghasilkan nama semasa, COOPUSMA. Pembaharuan ini melambangkan tumpuan semula kepada kerjasama, perpaduan, dan kecemerlangan perkhidmatan, sejajar dengan misinya untuk memperkasakan ahli-ahlinya dan mempromosikan pembangunan sosio-ekonomi di Kelantan.
Subsidiari
COOPUSMA bukan sahaja menjalankan perkhidmatan utama, tetapi juga memiliki beberapa anak syarikat yang menyediakan perkhidmatan tambahan kepada komuniti. Antaranya ialah:
Pusat Dialysis Lestari (Subsidiari Milik Penuh COOPUSMA)
Farmasi Lestari Sdn. Bhd (Subsidiari Milik Penuh COOPUSMA)
Telipot Medical Centre (TMC) Sdn. Bhd. (51% milik COOPUSMA)
Pelaburan Modal
COOPUSMA turut terlibat dalam pelaburan modal untuk memajukan perkhidmatan dan memperluaskan capaian. Salah satu contoh pelaburan modal adalah dalam Pusat Dialisis Nephrolife, di mana COOPUSMA memiliki 49% saham manakala individu memiliki 51% saham. Ini menunjukkan komitmen COOPUSMA dalam membangunkan dan menyokong projek-projek yang memberi manfaat kepada masyarakat.
Produk & Perkhidmatan
Coop Mart
Coop Mart menyediakan perkhidmatan jualan runcit di bawah pengurusan seorang Penolong Pengurus Runcit. Premis ini beroperasi dari jam 7.00 pagi sehingga 11.00 malam, bersebelahan dengan Kopitiam Lestari.
Kopitiam Lestari
Menyediakan makanan dan minuman.
Unit Rakan Bayi (URB)
URB mula beroperasi pada Mac 2003 di Unit Rakan Bayi HUSM. Terdapat 6 pengasuh yang berkhidmat dari jam 8.00 pagi hingga 5.00 petang, menjaga anak-anak asuhan berumur 2 minggu hingga 2 tahun. Untuk maklumat lanjut, hubungi ext: 09-7673804.
Kompleks ECCE (Taska, Tadika & Transit-KAFA)
Untuk sebarang pertanyaan mengenai Kompleks ECCE, sila hubungi Ext: 09-7673805.
Kilang Air
Menghasilkan air bersih.
Kays Exclusive Motel
Kays Exclusive Motel terletak berhadapan Hospital Universiti Sains Malaysia Kampus Cawangan Kelantan, di belakang bangunan Syarikat Muda Osman (SMO). Tamu dapat berjalan kaki kurang dari 5 minit ke hospital USM dan kawasan Pusat Pengajian Sains Perubatan, Pergigian, Sains Kesihatan, Asrama Pelajar, dan Kompleks Sukan USM.
Kemudahan Kays Exclusive Motel:
Penyaman Udara
Bilik air dengan air panas dan sejuk (hot and cold shower)
Wi-Fi percuma
Talian ASTRO
Kemudahan minuman
Dispenser air sejuk dan panas di lobi motel
Kadar sewaan bermula dari RM60 untuk bilik bujang hingga RM165 untuk bilik keluarga yang memuatkan 3 dewasa. Terdapat juga bilik-bilik lain dengan saiz yang berbeza.
Setiap tamu diberi “Security Access Card”.
Terletak berdekatan dengan kawasan membeli-belah Bandar Baru Kubang Kerian dan pelbagai restoran terkenal.
Selain berdekatan dengan HUSM Kubang Kerian Kelantan, manfaat lain yang anda dapat nikmati jika menginap di Kays Motel adalah seperti berikut:
Berdekatan dengan Bandar Baru Kubang Kerian.
Berdekatan dengan Pasar Raya Besar Mydin, Nirwana Maju.
Urusan perbankan mudah dilakukan kerana mempunyai rangkaian bank seperti CIMB, Bank Islam, Bank Rakyat, RHB dan BSN.
Boleh menikmati makanan sedap seperti Pizza Hut, Dominos, dan USM Cafe.
Hubungi Kays Exclusive Motel:
Pengurus: PUAN ASNIZA MOHD RAZALI (013 522 6817 atau 09 764 9127 dari 8.30 pagi hingga 4 petang). Email: kaysmotel@gmail.com
Ambulan
Maaf, tiada maklumat yang disediakan.
E-Shop Coopusma
Platform e-dagang untuk memudahkan urusan beli-belah dalam talian.
Pakej E-Shop COOPUSMA
Maaf, tiada maklumat yang disediakan.
Pembiayaan Peribadi CoopUSMA
Pembiayaan peribadi Koperasi Warga USM Universiti Sains Malaysia Kelantan (CoopUSMA) disediakan dengan syarat-syarat seperti berikut:
Maksima Pinjaman
Koperasi Warga USM Universiti Sains Malaysia Kelantan (CoopUSMA) membenarkan pinjaman sehingga had maksima sebanyak RM 100 ribu. Ini memberi pelbagai peluang untuk memenuhi keperluan kewangan pelanggan.
Kadar Faedah yang Kompetitif
Kadar faedah yang ditawarkan oleh Koperasi Warga USM Universiti Sains Malaysia Kelantan (CoopUSMA) sangat kompetitif untuk memastikan pelanggan mendapat manfaat terbaik. Perkhidmatan ini menawarkan kadar faedah sebanyak 4% setahun untuk pinjaman sehingga 5 tahun. Bagi tempoh pinjaman lebih dari 5 tahun sehingga 10 tahun, kadar faedah yang dikenakan adalah 6% setahun. Ini memberi fleksibiliti kepada pelanggan untuk memilih tempoh pinjaman yang sesuai dengan keperluan dan kemampuan kewangan mereka.
Hubungi Koperasi Warga USM Kelantan Berhad (COOPUSMA)
Lot 8014, Tingkat 1, Bandar Satelit Islam Pasir Tumboh, 16150 Kota Bharu, Kelantan, Malaysia
Tel: 09-765 6224 Fax: 09-765 6224
Koperasi Warga USM CoopUSMA: Ringkasan
Tajuk Artikel: Koperasi Warga USM CoopUSMA
Kategori: #PinjamanPeribadi #Koperasi #CoopUSMA
Tujuan: #MaklumatAm
Sumber:koperasi.kk.usm.my official website
Koperasi Product and Services
We cover all koperasi across Malaysia, providing a wide range of products and services. Explore the options below to discover useful information and easily contact the koperasi that meets your needs. Unlock the benefits of various koperasi offerings available nationwide!
Pinjaman Peribadi IDSB RHB Islamic Peroleh pinjaman peribadi IDSB RHB Islamic yang memenuhi keperluan kewangan anda, khas untuk kakitangan kerajaan dan badan berkanun. Dapatkan keputusan…
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Discover comfort and convenience at Coop Hotel Putrajaya and Cyberjaya Malaysia. Our hotel offers a perfect blend of modern amenities and warm hospitality, ensuring a delightful stay experience for guests. Whether you’re here for business or leisure, our strategic location and top-notch facilities make us the ideal choice for your accommodation needs in Putrajaya and Cyberjaya. Book your stay with us today and indulge in a memorable hospitality experience
About Us
Coop Hotel Putrajaya & Cyberjaya Kampung Dengkil, a 2-star hotel, offers family accommodation in 26 rooms. The venue provides a baggage room, parking, and a vending machine, as well as leisure facilities such as entertainment activities and air conditioning. Coop Hotel Putrajaya & Cyberjaya Dengkil Selangor is the best stay because it’s near Paya Indah Wetlands, providing guests with easy access to nature and recreational activities.
Best Stay near Paya Indah Wetlands
Situated just 2.1 miles from Paya Indah Wetlands, the property offers convenient proximity to this natural attraction. Additionally, it’s a short 15-minute walk from Taman Cabaran, allowing guests to explore the nearby green spaces. With Surau Al-Iman within walking distance, guests have access to religious facilities during their stay.
Rooms
The venue boasts air-conditioned guest rooms equipped with high-velocity internet, multi-channel television, and smoke detectors for added safety. Guests can enjoy the convenience of bathrooms fitted with free toiletries, hairdryers, and slippers, ensuring a comfortable stay experience.
Daily Halal Breakfast
Guests can start their day right with a daily halal breakfast served each morning at Coop Hotel Putrajaya & Cyberjaya. The restaurant menu offers a variety of local dishes, allowing guests to indulge in flavorful culinary delights throughout their stay.
Free Wireless Internet
Stay connected throughout your stay with free wireless internet available in the hotel rooms, ensuring you can easily access online resources and stay in touch with loved ones.
Free Public Parking
Parking is made convenient with free public parking available on site, providing guests with hassle-free access to their vehicles throughout their stay.
Number of Rooms: 26
With 26 well-appointed rooms, Coop Hotel Putrajaya & Cyberjaya Kampung Dengkil offers ample accommodation options for guests seeking a comfortable and convenient stay experience.
Budget Accommodation
Coop Hotel Putrajaya and Cyberjaya is a budget hotel situated under the COOP Hotel Angkasa network. Owned and managed independently by the Putrajaya & Cyberjaya Transport Cooperative Bhd, it offers economical accommodation for travelers and visitors seeking comfort and basic amenities. With local cooperative ownership and management, the hotel promises a user-friendly lodging experience while supporting the local community.
Contact COOP Hotel Putrajaya & Cyberjaya
Coop Hotel Putrajaya and Cyberjaya Malaysia No 65, 67, Jalan Cyber Valley 1B/3, Cyber Valley Commercial Center, 43800 Dengkil, Selangor
Source:FB hotelcoop / coopbudgethotel.com, coop-hotel-putrajaya-cyberjaya-kampung-dengkil.booked.net official website
Koperasi Product and Services
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Citibank offers the best personal loan options with flexible repayment terms and competitive interest rates, providing you with the financial assistance you need when you need it. Whether it’s for unexpected expenses, home improvements, or debt consolidation, Citibank Personal Loan has got you covered. Apply now and get the funds you need with ease, ensuring financial peace of mind for whatever life throws your way.
About Us
Citibank, renowned as a truly global banking institution, has been dedicated to serving over 200 million customers worldwide. With our wide-reaching presence and commitment to excellence, we strive to empower individuals to achieve their dreams and aspirations. At Citibank, we believe in doing more with your life, and our personal financing-i options are designed to provide you with the financial flexibility you need to make your dreams a reality.
Imagine having the extra funds to renovate your house, purchase new furniture, pursue further education, indulge in shopping sprees, or take that well-deserved holiday. With Citibank’s personal financing-i, you can turn these dreams into tangible experiences. Our financing solutions offer the best value for your money, featuring low-interest rates, manageable monthly repayments, and a host of other benefits tailored to meet your needs.
Whether you’re planning to decorate your dream home, further your education, or simply fulfill your personal desires, Citibank are here to support you every step of the way. Our online application process makes it quick and convenient to apply for a loan, and with instant approval* available in just five simple steps, you can access the funds you need without delay.
It’s important to note that the website you’re currently visiting is dedicated exclusively to government employees. For private sector workers, soldiers, traders, government retirees, and others seeking personal loans, we invite you to explore our Citibank personal financing-i options tailored specifically for the private sector. Rest assured that our financing solutions are designed to cater to a diverse range of needs and circumstances, ensuring that everyone can benefit from the financial support they require.
At Citibank, we’re committed to helping you achieve your goals and aspirations, whatever they may be. With our comprehensive range of financial products and services, backed by a legacy of trust and reliability, you can confidently take the next step towards realizing your dreams. Explore Citibank personal financing today and unlock a world of possibilities. For more details, please click the link below and take the first step towards a brighter future.
Financial Potential
Citibank, a truly global bank, serves more than 200 million customers worldwide. With Citibank Personal Financing-i, you can enhance your life by accessing extra funds for various purposes such as house renovations, furniture purchases, further studies, shopping, and holidays. Offering exceptional value for money, low-interest rates, affordable monthly repayments, and much more, Citibank Personal Financing-i is designed to meet your financial needs effectively.
Important Note for Applicants
Please be aware that this website is exclusively dedicated to government employees. Private sector workers, soldiers, traders, and government retirees are advised not to contact the mobile phone number provided on any pages of this website, as the hotline number is reserved for government employees only. For personal loan applications from private sector workers, please click on the link provided for Citibank Personal Loan Financing-i for the private sector.
Fulfill Your Personal Needs with Citibank Personal Loans
Whether you’re decorating your dream home, pursuing higher education, or chasing your dreams, Citibank Personal Loans empower you to fulfill your personal needs. Apply for personal loans online now and experience instant approval* in just 5 simple steps!
Take control of your finances today with Citibank Personal Financing-i, and embark on a journey towards financial empowerment with confidence.
How to Apply for a Citibank Personal Loan Online in 5 Simple Steps
Applying for a Citibank personal loan online is a straightforward process designed to provide you with quick and easy access to the funds you need. Follow these five simple steps to apply for a Citibank personal loan online and receive instant approval*:
Step 1: Fill up Your Contact Details
The first step in the application process is to provide your contact information. Ensure that all the details you enter are accurate to facilitate smooth communication throughout your loan application process. This includes your phone number and email address, which Citibank will use to keep you updated on the status of your application.
Step 2: Fill up Your Personal Details
Next, you will need to enter your personal details. This includes essential information such as your identification number and current residential address. Accurate information is crucial as it helps Citibank verify your identity and assess your application accurately.
Step 3: Fill up Your Employment Details for In Principle Approval* of Your Personal Loan Application
To proceed with your loan application, you will need to submit your employment details. This information is used to facilitate the initial approval process for your personal loan application. Ensure you provide complete and accurate employment details, including your current job title, employer’s name, and employment duration.
Step 4: Confirm Loan Terms That You Wish to Apply For
Once your initial details are entered, you will have the opportunity to review and confirm the loan terms. This includes selecting the loan amount and repayment period according to your preferences. Carefully review the terms to ensure they meet your financial needs and capabilities.
Step 5: Upload Your Income Documents
The final step in the online application process is to upload your income documents. These documents, such as pay slips or bank statements, are necessary to support your loan application. They provide proof of income, which Citibank will use to verify your ability to repay the loan.
Important Note
The loan amount, tenor, and interest rate offered to you are based on your declared income during the online application. Actual loan approval may differ based on the income documentation submitted. Your loan application is still subject to Citibank’s credit assessment.
Apply Now and Fulfill Your Financial Goals
Applying for a Citibank personal loan online is a convenient and efficient way to secure the funds you need for various financial goals. Whether it’s for home renovations, further studies, or unexpected expenses, take the first step today and apply now. With Citibank personal loans, you can embark on your journey towards financial empowerment with confidence.
Citibank Low-Interest Financing for Your Needs
Citibank offers competitive interest rates starting from 7.9% per annum, providing you with affordable financing solutions tailored to your needs. Here are the criteria for Citibank personal loan:
Interest Rate / Profit Rate: 7.9% per annum
Enjoy a low flat interest rate of 7.9% per annum, ensuring manageable monthly repayments throughout your loan tenure.
Loan Amount: RM5,000 – RM150,000
Borrow any amount between RM5,000 and RM150,000, depending on your financial requirements and repayment capacity.
Loan Repayment Tenure: 24 – 60 Months
Choose a flexible repayment tenure ranging from 24 to 60 months, allowing you to spread out your repayments according to your financial situation.
No Processing Fees
Benefit from hassle-free loan processing with no processing fees involved, ensuring that you receive the full loan amount without deductions.
No Collateral / Guarantor Required
Avail Citibank personal loan without the need for collateral or guarantors, simplifying the application process and providing you with quick access to funds.
With Citibank personal loan, you can meet your financial goals with ease, whether it’s for home renovations, education expenses, debt consolidation, or any other personal needs. Apply now and experience the convenience and affordability of Citibank.
Contact Citibank
Level 1, Smart Banking Area, Citibank Tower, 165, Jalan Ampang, 50450 Kuala Lumpur
Tel: 03-2383 0000
Citibank: Summary
Article Title: Citibank
Category: #Bank #PersonalLoan #Citibank
Purpose: #GeneralInformation
Source:Maklumat Agen official website
Bank Personal Loans
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Education: Sam chose to send her son to the best school, even with high expenses. She can afford it with Citi FlexiBill.
Holidays: Jen finally crossed Japan off her travel list. With Citi FlexiBill, she made it happen and enjoyed her trip to the fullest.
Festive buys: Kevin’s bill from festive shopping was high, but it was well spent. Plus, he didn’t need to worry about it after applying for Citi FlexiBill.
Applying for a CIMB Bank personal loan online is designed to be a hassle-free experience, offering you quick access to the funds you need. With competitive interest rates and flexible repayment options, CIMB Bank makes it easy to get the financial support you require for home renovations, education, or unexpected expenses. Follow a simple five-step process to fill in your contact, personal, and employment details, confirm your preferred loan terms, and upload necessary income documents. Unlock your financial potential with CIMB Bank’s convenient and efficient online personal loan application today. Apply now and take the first step towards achieving your financial goals.
About CIMB Group
CIMB Group is a leading ASEAN universal bank with a global presence. Headquartered in Kuala Lumpur, Malaysia, we are recognized as one of the region’s foremost corporate advisors and a world leader in Islamic finance.
Diverse Range of Products and Services
As a comprehensive financial institution, CIMB Group offers a wide array of products and services to meet your financial needs. From consumer banking and commercial banking to investment banking, Islamic banking, and asset management, we have you covered.
Trusted and Established
With over 15 million customers and around 34,000 staff, CIMB Group is a trusted and established financial institution in the ASEAN region. Our commitment to providing innovative solutions and excellent customer service has earned us a reputation for reliability and excellence.
Personal Loan Solution
Looking for a personal loan with swift approval and competitive interest rates? Look no further than CIMB Bank.
Fast Approval Process
At CIMB Bank, we understand the urgency of your financial needs. That’s why we offer a streamlined approval process, ensuring you get the funds you need when you need them.
Competitive Interest Rates
With interest rates starting from as low as 6.88%, CIMB Bank provides one of the most competitive rates in the market. Whether you need funds for a vacation, home renovation, or unexpected expenses, our low rates make borrowing affordable.
Apply Today
Experience the convenience and reliability of CIMB Bank’s personal loans. Apply today and take advantage of our fast approval process and competitive interest rates. Whether you’re planning a major purchase or need funds for unexpected expenses, CIMB Bank is here to help you achieve your financial goals.
Fulfill Your Dreams Hassle-Free
Experience the freedom of an unsecured term loan with CIMB Bank’s Cash Plus Personal Loan. With no collaterals or guarantors required, achieving your dreams has never been easier.
Loan Features:
Loan amount up to RM100,000
Convenient repayment tenure up to 5 years
Fixed interest rates from as low as 6.88% to 14.88% per annum
Eligibility Criteria:
Individuals aged 21 to 58 years old (maximum 60 years old upon maturity of loan tenure)
Malaysian citizen
Minimum monthly gross income of RM2,000
Employed for more than 6 consecutive months
For self-employed, business must be active for more than 24 months
CIMB Xpress Cash Financing-i
Turn your dreams into reality with CIMB Bank’s Xpress Cash Financing-i. Enjoy fast and flexible financing of up to 8 times your gross monthly income without the hassle.
Loan Features:
Financing up to 8 times your gross monthly income (basic + fixed income)
Easy and hassle-free application process
Eligibility Criteria:
Individuals aged 21 to 60 years old (maximum 65 years old upon maturity of loan tenure)
Malaysian citizen
No joint applications allowed
Minimum monthly gross income of RM800 (including variables like overtime and allowances)
Employed or in business for at least 6 months
Minimum financing amount offered is RM3,000, with a maximum of RM50,000 or up to 8 times gross monthly income (whichever is lower)
Experience the convenience and flexibility of CIMB Bank’s Islamic Loan – Xpress Cash Financing-i. Apply now and make your dreams a reality.
CIMB Bank offers Term Financing-i (TF-i) based on the concept of Commodity Murabahah-Tawarruq, providing a secure avenue to grow your wealth while helping you achieve your financial goals. TF-i ASB is secured by ASB Certificates, ensuring peace of mind and financial stability.
Eligibility Criteria:
Exclusive to Malaysian Bumiputera
Individuals aged 18 years and above, with evidence of income
Joint application limited to parents, spouse, siblings, or adult children
Secured Overdraft Facility
Access additional funds conveniently with CIMB Bank’s Secured Overdraft Facility. By pledging collateral, you can enjoy a flexible line of credit to meet your financial needs.
Eligibility Criteria:
Individuals aged 21 to 70 years old
Malaysian citizens or residents with PR status residing in Malaysia
Owner of the collateral, free from any encumbrance
Minimum collateral of RM10,000
Overdraft limit dependent on collateral pledged
Unlock financial flexibility and stability with CIMB Bank’s Secured Overdraft Facility. Apply now and gain access to the funds you need, backed by a trusted financial institution.
Interest Rate / Profit Rate
CIMB Bank Cash Plus: Hassle-Free Financing at 6.88% p.a.
Secure the funds you need with CIMB Bank’s Cash Plus Personal Loan. Enjoy the following features:
Low Interest Rate: Starting from 6.88% per annum.
No Collaterals or Guarantors Required
Flexible Tenure: Up to 5 years.
Loan Amounts: Up to RM100,000.
Maximum age limit of 60 years upon loan tenure maturity.
CIMB Bank Islamic Loan – Xpress Cash Financing-i
Benefit from CIMB Bank’s Xpress Cash Financing-i, offering:
8x Gross Income
Minimum Amount: RM3,000
Maximum Amount: RM50,000
Minimum Gross Income: RM800
Employment Requirement: At least 6 months.
Maximum age limit of 65 years upon loan tenure maturity.
Term Financing-i Secured by ASB Certificate
Grow your wealth securely with CIMB Bank’s Term Financing-i, offering competitive rates:
Financing amount of RM50,000 and above:
Tenure between 5 – 20 years: 3.55% per annum
Tenure between 21 – 40 years: 3.60% per annum
Financing amount below RM50,000: 3.75% per annum
Maximum age limit of 65 years upon loan tenure maturity.
CIMB Bank Secured Overdraft Facility
Unlock additional funds with CIMB Bank’s Secured Overdraft Facility:
Interest Rate: BR + 1.1% per annum
Options include Personal OD Secured by Fixed Deposit, Multiple Collateral, or Amanah Saham Bumiputera.
Maximum age limit of 65 years upon loan tenure maturity.
Take advantage of these financing options from CIMB Bank to fulfill your financial needs with ease and flexibility.
Contact CIMB Bank
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
CIMB Bank Call Center: 03-6204 7788 Premier Credit Card Call Centre 03-62047799 Business Call Centre: +60322973000
Frequently Asked Questions (FAQ)
Find answers to common questions in our FAQ section. Whether you need help, guidance, or quick tips, we’ve got the information you need! Browse our expert responses and get the solutions you’re looking for—fast and easy.
What are persoal loan products by CIMB Bank?
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.
CIMB Bank: Summary
Article Title: CIMB Bank
Category: #Bank #PersonalLoan #CIMB
Purpose: #GeneralInformation
Source:cimb.com.my official website
Bank Personal Loans
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Koperasi Co-opbank Pertama (CBP) adalah pilihan pembiayaan terbaik dalam perkhidmatan kewangan di Malaysia. Dengan warisan yang kukuh dan komitmen kepada kepercayaan, kami menyediakan pelbagai produk dan perkhidmatan untuk memenuhi keperluan kewangan anda. Dapatkan kepuasan dan kecekapan dengan Co-opbank Pertama (CBP) hari ini.
Pengenalan Kepada Co-opbank Pertama CBP
Co-opbank Pertama, yang sebelum ini dikenali sebagai Bank Persatuan, adalah salah satu institusi koperasi yang terkemuka di Malaysia. Sejak penubuhannya, bank ini telah menjadi pilihan utama bagi masyarakat yang mencari perkhidmatan kewangan yang dipercayai dan berkesan. Berikut adalah sejarah dan perkembangan terkini Co-opbank Pertama:
Sejarah Koperasi Co-opbank Pertama Malaysia Berhad
Koperasi Co-opbank Pertama Malaysia Berhad bermula dengan nama “The Province Wellesley Co-operative Banking Union Limited” apabila didaftarkan pada 7 Jun 1950 di bawah Akta Koperasi 1993. Seiring dengan masa, bank ini telah mengalami beberapa perubahan nama:
Pada tahun 1959: Bank Persatuan Kerjasama Seberang Perai Berhad
Pada tahun 1995: Koperasi Bank Persatuan Malaysia Berhad
Pada tahun 2014: Koperasi Co-opbank Persatuan Malaysia Berhad
Transformasi Menjadi Co-opbank Pertama CBP
Pada tahun 2018, dalam Mesyuarat Agung Perwakilan Tahunan yang ke-59, terdapat satu perubahan penting dalam struktur dan identiti bank ini. Pindaan Undang-Undang Kecil (UUK) CBP telah diluluskan, dan ini melibatkan pertukaran nama dari Koperasi Co-opbank Persatuan Malaysia Berhad kepada Koperasi Co-opbank Pertama Malaysia Berhad.
Komitmen Terhadap Pelayanan Berkualiti
Sebagai sebuah institusi kewangan yang terkemuka, Co-opbank Pertama berkomitmen untuk terus menyediakan perkhidmatan yang terbaik kepada pelanggan. Dengan pelbagai produk dan perkhidmatan yang ditawarkan, termasuk pelbagai pinjaman peribadi dengan kadar faedah yang bersaing, bank ini terus menjadi pilihan utama bagi masyarakat Malaysia.
Latihan Pematuhan Syariah Co-opbank Pertama CBP
Pelaksanaan Pematuhan Syariah: Membangun Kepatuhan dalam Kewangan Islam
Pematuhan syariah adalah pondasi yang kukuh dalam landskap kewangan Islam, dan Koperasi Co-opbank Pertama Malaysia Berhad memegang teguh prinsip ini. Untuk memastikan setiap produk kami selalu mematuhi prinsip Syariah, kami akan mengadakan satu latihan pematuhan Syariah yang teliti. Adalah penting untuk ditekankan bahawa langkah-langkah yang akan diambil tidak akan mengubah sebarang syarat penting atau kewajipan pelanggan terhadap pembiayaan, dan proses ini akan dilakukan tanpa sebarang yuran kepada pelanggan.
Pemberitahuan Kepada Pelanggan: Memahami Perubahan dan Langkah-Langkah
Kami akan menghantar pemberitahuan kepada setiap pelanggan untuk memberitahu tentang perkara berikut:
Pindaan kepada Surat Tawaran: Terdapat perubahan dalam Surat Tawaran yang ditandatangani antara pelanggan dan Koperasi Co-opbank Pertama Malaysia Berhad.
Pelantikan Agen Pematuhan: Koperasi Co-opbank Pertama Malaysia Berhad akan dilantik sebagai agen pelanggan untuk mengambil langkah-langkah yang diperlukan bagi memastikan pematuhan Syariah dalam dokumentasi keselamatan.
Langkah-langkah yang akan diambil termasuk memastikan pematuhan Syariah terhadap dokumentasi keselamatan yang sedia ada. Ini termasuklah menukar dokumen Bai’ Inah yang lama kepada dokumen Bai’ Inah yang baru. Sila rujuk kepada lampiran 1 dan lampiran 2 untuk contoh dokumen Bai Inah yang baru. Bagi maklumat lanjut, sila hubungi kami di: 1-300-88-7650.
Kami berkomitmen untuk memastikan kepatuhan Syariah dalam semua aspek operasi kami dan terus memberikan perkhidmatan yang berkualiti tinggi kepada pelanggan kami dalam rangka memperkukuhkan landskap kewangan Islam.
Pembiayaan Peribadi i-Lestari Co-opbank Pertama CBP
Kadar Keuntungan Serendah 4.15% setahun
Dapatkan pinjaman peribadi yang sesuai dengan keperluan anda melalui Co-opbank Pertama dengan ciri-ciri berikut:
Kadar Keuntungan: 4.15% setahun.
Had Maksima Pinjaman: RM 200,000.00.
Tempoh Pinjaman: 10 tahun.
Ditawarkan melalui semua cawangan Co-opbank Pertama dan tertakluk kepada terma dan syarat yang ditetapkan.
CBP: Pelbagai Pilihan Pembiayaan
Jadikan impian anda menjadi kenyataan dengan pelbagai skim pembiayaan yang ditawarkan oleh Jabatan Pembiayaan Koperasi dan Korporat Co-opbank Pertama:
Pinjaman Peribadi CBP Kadar Keuntungan/Kadar Profit: KAPK + 0.5% setahun.
Tempoh: 120 bulan (Minimum).
Pembiayaan Hartanah: KAPK + 0.5% setahun.
Tempoh: 180 Bulan (Minimum).
Pembiayaan Penyambung: KAPK + 0.5% setahun.
Tempoh: 60 Bulan (Minimum).
Pemfaktoran-i: 3.5% daripada nilai invois.
Tempoh: 60 Bulan.
Ditawarkan melalui Jabatan Pembiayaan Koperasi dan Korporat Co-opbank Pertama dan tertakluk kepada terma dan syarat yang ditetapkan.
Dapatkan pembiayaan yang sesuai dengan keperluan anda melalui Co-opbank Pertama. Hubungi kami hari ini untuk maklumat lanjut.
Contact Co-opbank Pertama CBP
Ibu Pejabat Tingkat 6, Wisma JCB No.27, Lorong Medan Tuanku 1, Off Jalan Sultan Ismail, 50300 Kuala Lumpur.
Telefon: 1-300-88-7650
E-Mel: info@cbp.com.my
Frequently Asked Questions (FAQ)
Find answers to common questions in our FAQ section. Whether you need help, guidance, or quick tips, we’ve got the information you need! Browse our expert responses and get the solutions you’re looking for—fast and easy.
Apakah nama lama Co-opbank Pertama CBP?
Nama lama Co-opbank Pertama CBP yang dahulu dikenali sebagai Bank Persatuan adalah sebuah coop bank yang dipercayai di Malaysia.
Co-opbank Pertama (CBP): Ringkasan
Tajuk Artikel: Co-opbank Pertama (CBP)
Kategori: #Bank #PinjamanPeribadi #CBP
Tujuan: #MaklumatAm
Sumber:cbp.com.my official website
Promosi Pinjaman Peribadi Bank
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Koperasi Borneo Malaysia Berhad (KOPBORNEO) adalah peneraju dalam menyediakan perkhidmatan kewangan terbaik yang dipercayai di seluruh Malaysia. Dengan komitmen kepada kecekapan dan inovasi, kami memastikan kepuasan dan kesejahteraan kewangan pelanggan kami. Sertai kami di KOPBORNEO dan alami perbezaan hari ini.
Pinjaman Terbaik kepada Kakitangan Kerajaan
Sejarah dan Lokasi Strategik
Koperasi Borneo Malaysia Berhad, atau KOPBORNEO, adalah sebuah institusi kewangan yang telah membuktikan kebolehpercayaannya dalam menyediakan pinjaman peribadi kepada kakitangan kerajaan. Dengan cawangan kami yang terletak strategik di Petaling Jaya, kami memberikan kemudahan akses kepada perkhidmatan kewangan kami kepada masyarakat setempat.
Memenuhi Keperluan Kewangan Melebihi Had Potongan Gaji
Kami memahami bahawa dalam keadaan tertentu, keperluan kewangan seseorang mungkin melebihi had yang ditetapkan. Oleh itu, kami memberikan peluang kepada individu yang mungkin memerlukan bantuan kewangan walaupun potongan slip gaji mereka telah melebihi 60%. Kami berusaha untuk memenuhi keperluan pelanggan kami dengan memberikan perkhidmatan yang berkualiti dan tersusun.
Peluang Pembiayaan Tambahan
Bagi mereka yang memerlukan bantuan kewangan tambahan dan mungkin telah melebihi 60% potongan slip gaji mereka, masih terdapat peluang untuk mendapatkan pembiayaan. Walau bagaimanapun, kami ingin menegaskan bahawa kami tidak dapat menyediakan perkhidmatan untuk kelayakan potongan yang melebihi 60%. Ini adalah untuk memastikan bahawa pinjaman yang diberikan adalah mampan dan tidak membebankan peminjam.
Komitmen Terhadap Kepuasan Pelanggan
Dengan komitmen kepada kepuasan pelanggan dan integriti dalam perkhidmatan kami, Koperasi Borneo Malaysia Berhad berharap dapat terus menjadi pilihan utama dalam pemenuhan keperluan kewangan masyarakat Malaysia. Kami sentiasa berusaha untuk memberikan perkhidmatan yang terbaik dan memastikan bahawa pelanggan kami mendapat bantuan kewangan yang mereka perlukan dengan cara yang paling efisien.
Meneraju Perkhidmatan Kewangan Berkualiti di Malaysia
Evolusi KopBorneo
Kami, Koperasi Borneo Malaysia Berhad, mempunyai sejarah yang kukuh dan komitmen yang teguh dalam menyediakan perkhidmatan kewangan yang berkualiti kepada masyarakat Malaysia. Sejak penubuhannya pada tahun 2008 dengan nama Koperasi Borneo Berhad, kami telah mengembangkan operasi kami dari Sabah dan Wilayah Persekutuan Labuan ke seluruh negara. Perubahan nama kepada Koperasi Borneo Malaysia Berhad pada tahun 2015 menandakan kemajuan kami dalam menyediakan perkhidmatan yang lebih luas dan menyeluruh kepada masyarakat Malaysia.
Misi dan Visi
Kami berusaha untuk menjadi pemimpin dalam industri koperasi dengan mengutamakan kepuasan pelanggan dan integriti dalam setiap urusan kami. Matlamat kami adalah untuk memberikan kemudahan kewangan yang mampan dan berkesan kepada semua ahli kami. Dengan komitmen yang tinggi, kami terus berinovasi dan berkembang untuk memenuhi keperluan kewangan komuniti.
Notis Pemberitahuan Penting
Kami ingin menegaskan bahawa Koperasi Borneo Malaysia Berhad tidak mempunyai sebarang hubungan dengan agensi-agensi yang mengklaim untuk mempromosikan atau memproses pinjaman koperasi. Sebarang transaksi atau urus niaga dengan agensi adalah sepenuhnya di bawah tanggungjawab individu yang terlibat.
Fokus Pada Pelanggan
Pelanggan kami adalah keutamaan kami, dan kami sentiasa bersedia untuk membantu dengan sebarang pertanyaan atau penjelasan mengenai pinjaman koperasi. Jangan ragu untuk menghubungi kami untuk maklumat lanjut atau bantuan yang diperlukan. Kami komited untuk memberikan perkhidmatan terbaik dan memastikan setiap urus niaga dilakukan dengan telus dan profesional.
Perkhidmatan
Koperasi Borneo Malaysia Berhad menyediakan pelbagai perkhidmatan untuk memenuhi keperluan kewangan dan pembangunan komuniti. Berikut adalah perkhidmatan utama yang kami tawarkan:
Pembiayaan Peribadi
Koperasi Borneo Malaysia Berhad (KOPBORNEO) menawarkan pembiayaan peribadi kepada anggota Koperasi, terutamanya kakitangan pejabat awam yang menggunakan kemudahan potongan gaji melalui Biro Perkhidmatan ANGKASA.
Pembangunan dan Pelaburan
Koperasi Borneo Malaysia Berhad (KOPBORNEO) berhasrat untuk mengembangkan aktiviti dalam bidang lain seperti:
Pelaburan dalam bidang pertanian dan ternakan.
Membangunkan tanah untuk membina rumah mampu milik bagi anggota Koperasi.
Menguruskan kemudahan perumahan untuk anggota yang berhijrah antara Malaysia Timur dan Barat.
Menubuhkan pusat latihan kemahiran di kawasan luar bandar.
Koperasi Borneo Malaysia Berhad (KOPBORNEO) komited untuk menyediakan perkhidmatan yang berkualiti dan membantu dalam memajukan ekonomi dan sosial masyarakat tempatan. Hubungi kami untuk maklumat lanjut mengenai perkhidmatan kami.
Contact Koperasi Borneo Malaysia Berhad (KOPBORNEO)
50 – 1, Jalan PJU 5/21, The Strand, Kota Damansara, 47810 Petaling Jaya, Selangor
Tel: 03-6142 3801
KOPERASI BORNEO MALAYSIA BERHAD (S-5-0780) F-44-2, LOT NO 44, 2ND FLOOR, BLOCK F, LORONG PLAZA 333-5, PLAZA 333, KOBUSAK COMMERCIAL CENTRE, JALAN PINTAS PENAMPANG, 89500 PENAMPANG, SABAH, MALAYSIA
Tel: 088-701 776 Fax: 088-720 925
E-mel: kopborneo@yahoo.com
Koperasi Borneo (KOPBORNEO): Ringkasan
Tajuk Artikel: Koperasi Borneo (KOPBORNEO)
Kategori: #Koperasi #PinjamanPeribadi #KOPBORNEO
Tujuan: #MaklumatAm
Sumber:KOPBORNEO official website
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Looking for flexible and Sharia-compliant personal loan solutions? Look no further than Bank Muamalat Malaysia Berhad. Our offerings are tailored to suit your financial needs, empowering you to achieve your goals with competitive rates and a hassle-free application process. Whether you’re planning for a major purchase or need assistance with unexpected expenses, Bank Muamalat is here to support you on your financial journey. Discover the convenience and peace of mind that comes with our personalized loan options today.
Pioneering Islamic Banking in Malaysia
A Trailblazer in Islamic Finance
Established in 1999, Bank Muamalat Malaysia Berhad (BMMB) holds the distinction of being one of Malaysia’s foremost Islamic banks. It earned this reputation by offering an extensive array of Sharia-compliant financial products and services. Notably, BMMB made history as the first Islamic bank to receive a full banking license under the Islamic Banking Act 1983, laying the groundwork for the development of Islamic finance in Malaysia.
Operating on Sharia Principles
At its core, Bank Muamalat operates in accordance with the principles of Sharia, ensuring that all its operations and offerings align with Islamic law. This commitment involves steering clear of interest (riba), engaging in ethical investments, and promoting risk-sharing between the bank and its customers.
Tailored Financial Solutions
Bank Muamalat caters to the diverse needs of its clientele by providing a wide range of financial solutions. These include personal financing options, savings and current accounts, investment products, and wealth management services. Its personal financing products are structured to assist individuals in various financial endeavors, such as home renovations, education expenses, vehicle purchases, and debt consolidation, all while adhering to Islamic financing principles.
Nationwide Accessibility and Customer Service Excellence
With a comprehensive network of branches and electronic banking channels, Bank Muamalat ensures convenient access to its services across Malaysia. This commitment to accessibility underscores its dedication to serving customers from different regions. Moreover, the bank prioritizes excellent customer service, delivering efficient and reliable banking solutions to enhance the financial well-being of its clientele.
Contributing to Industry Advancement
Bank Muamalat’s influence transcends traditional banking services. Actively involved in industry initiatives, the bank plays a pivotal role in advancing Islamic finance in Malaysia and beyond. It actively promotes financial literacy, collaborates with stakeholders, and contributes to the growth and sustainability of Islamic banking.
Personal Financing-i
For Armed Forces
At Bank Muamalat Malaysia Berhad (BMMB), we offer enticing deals for personal loans tailored to suit your needs. Benefit from competitive rates, flexible terms, and a hassle-free application process. Empower your financial journey with us today.
Bank Muamalat Personal Financing-i For Armed Forces:
Products / Items
Investment and Refinancing (Armed Forces)
Purpose
Settlement of Debt and Investment
Who Can Apply
Malaysia Armed Forces
Tenure
Minimum: 3 years, Maximum: 10 years*
Financing Amount
Minimum: RM 5,000.00
Maximum: RM 100,000.00
Profit Rate
Flat: 5.5% p.a
Floating: BFR+1.8% (capping rate 11%)
Mode of Payment
Auto Debit net salary via BMMB Current/Saving Account
Wasiat/Will – writing
Optional
Takaful
Compulsory
Guarantor
Not available
Documents Required
•
Copy of BATC10/MyTentera (front and back)
•
Latest 1 month Salary Slip (Flat Rate)
•
Latest 2 months Original Salary Slip (Floating Rate)
•
BMMB Current/Saving Account passbook
•
Latest Settlement Statement
•
Investment Statement (if applicable)
Applicant’s Eligibility
a) Age:
•
Lain‐lain Pangkat (LLP):
–
Maximum: 52 years
•
Pegawai:
–
Maximum: 65 years
Government & Related Agencies Staff
Bank Muamalat Financing products:
Products / Items
Financial Management Financing – PPK Invesment and Refinancing
Civilian
Purpose
Settlement of Debt and Investment
Who Can Apply
All Federal / State Government/Government. Link Company/Selected Organizations staff
Tenure
Minimum: 3 years. Maximum: 10 years
Financing Amount
Minimum: RM 5,000.00. Maximum: RM 100,000.00
Profit Rate
Flat: Without Ju’alah: 5.5% p.a, With Ju’alah: 5.7% p.a. Floating: BFR+1.8% (capping rate 11%)
Mode of Payment
a) Auto Debit net salary via BMMB Current/Saving Account or. b) Salary deduction At Source by employer
Wasiat/Will – writing
Optional
Takaful
Compulsory
Guarantor
Not available
Documents Required
•
Copy of NRIC (front and back)
•
Latest 1 month Salary Slip (Flat Rate)
•
Latest 3 months original Salary Slip (Floating Rate)
Muamalat Invest Sdn Bhd (“MISB”) is a trusted subsidiary of Bank Muamalat Malaysia Berhad. As a licensed Islamic fund manager since 2006, we prioritize ethical and Shariah-compliant investment solutions tailored to meet your financial goals.
Empowering Economic Prosperity through Wakaf Muamalat
Wakaf Muamalat has been instrumental in promoting economic prosperity through various collaborations and synergies since 2012. With over RM 26.7 million collected to date, Wakaf Muamalat ensures that the needy and underprivileged are supported and cared for. Explore the endless opportunities of wakaf with us today!
Jariah Fund: Empowering the Underprivileged
Jariah Fund serves as an online crowdfunding platform dedicated to assisting the underprivileged and contributing to societal welfare. With transparent features, including real-time updates on funds collected and beneficiary status, Jariah Fund makes it easier than ever to make a difference in the lives of those in need.
Pembiayaan Peribadi Pesara (3P)
Bank Muamalat offers a range of flexible and convenient personal financing solutions tailored to meet the diverse needs of its customers. With competitive rates and transparent terms, customers can easily access the funds they need to achieve their financial goals.
Structured Personal Financing-i
One of the primary financing options available is the Structured Personal Financing-i, designed to provide individuals with financial flexibility and peace of mind. With a minimum financing period of 2 years and a maximum of 10 years, customers can choose a repayment tenure that suits their budget and requirements. Additionally, customers can access financing of up to RM250,000*, making it ideal for various purposes such as home renovations, education expenses, or emergency funds.
Pembiayaan Peribadi Pesara (3P)
For customers who are retired or nearing retirement, the Pembiayaan Peribadi Pesara (3P) offers a dedicated financing solution tailored to their needs. With a competitive profit rate of 5.50% per annum and flexible repayment tenures ranging from 3 to 10 years, retirees can access financing amounts ranging from RM5,000.00 to RM250,000.00 to support their post-retirement lifestyle.
Customers also have the option to enhance their financial security by opting for additional services such as will-writing and takaful coverage, providing added peace of mind for themselves and their loved ones.
In summary, Bank Muamalat’s personal financing solutions offer flexibility, affordability, and accessibility, making them an ideal choice for individuals looking to fulfill their financial needs and aspirations.
Personal Financing-i Programme: Flexible Financing Solutions
Bank Muamalat’s Personal Financing-i programme offers individuals a convenient and flexible way to access financing for their various needs. With a minimum financing period of 2 years and a maximum of 10 years, customers have the flexibility to choose a repayment tenure that suits their financial situation. The programme allows financing of up to RM250,000*, making it suitable for a wide range of purposes, such as home renovations, education expenses, or emergency funds.
Accessibility for All Ages
One of the key advantages of Bank Muamalat’s Personal Financing-i programme is its accessibility. Individuals up to 70 years old* can apply for financing, providing opportunities for retirees and seniors to access much-needed funds for their financial needs. Moreover, the programme does not require a guarantor, streamlining the application process and reducing administrative hassle for customers.
Transparent and Affordable Financing
Customers can also benefit from the transparency and affordability of the programme, as there are no processing fees or hidden charges involved. This ensures that customers can borrow with confidence, knowing that they will not encounter any unexpected costs throughout the financing tenure.
Cash-i Muamalat: Tailored for Government Employees
Additionally, Bank Muamalat offers the Cash-i Muamalat programme specifically tailored for government employees, government-linked companies (GLCs), government-linked investment companies (GLICs), and employers under the empanelment programme. With a competitive profit rate of $485 per annum, eligible individuals aged 18 and above can access financing up to 60 years old or up to retirement age (whichever is earlier). Malaysian citizenship is required, and specific eligibility criteria apply based on employment status and income level.
(*Subject to terms and conditions)
Repayment Schedule for Pesara Personal Financing-i
This repayment schedule outlines the payment plan for Bank Muamalat Pesara Personal Financing-i, providing clarity and transparency for borrowers. Understanding the repayment schedule is crucial for managing finances effectively and ensuring timely payments.
Bank Muamalat’s Personal Loan Repayment Schedule for Military Veterans & Government Employees features a fixed profit rate of 5.50%. This schedule outlines payment details, facilitating responsible financial planning and management.
Loan Amount (RM)
1 Year
2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
8 Years
9 Years
10 Years
10,000
879
463
324
254
213
185
165
150
138
129
20,000
1,758
925
647
508
425
369
330
300
277
258
30,000
2,638
1,388
971
763
638
554
495
450
415
388
40,000
3,517
1,850
1,294
1,017
850
739
660
600
554
517
50,000
4,396
2,313
1,618
1,271
1,063
924
824
750
692
646
60,000
5,275
2,775
1,942
1,525
1,275
1,108
989
900
831
775
* Any changes to the financing repayment are subject to terms and conditions.
Takaful and Shariah Concepts
Bank Muamalat’s Personal Financing-i (Tawarruq) is a Shariah-compliant financing facility designed to provide cash financing for personal use without violating Shariah principles. This article explores the underlying Shariah concepts and structures employed in this financing product.
Tawarruq: The Core Concept
Tawarruq serves as the fundamental Shariah concept underlying Bank Muamalat’s Personal Financing-i. It involves two sale and purchase contracts: the first sale of an asset on a deferred basis followed by the sale of the same asset to a third party on a cash basis. This arrangement ensures compliance with Islamic principles while facilitating cash financing for customers.
Murabahah: Transparency in Transactions
Murabahah is a key component of the financing structure, representing a sale and purchase transaction where the acquisition cost and markup are disclosed to the purchaser. This transparency ensures that customers are fully informed about the terms and conditions of their financing, aligning with Islamic ethical principles.
Wakalah: Delegated Authority
Wakalah plays a vital role in Bank Muamalat’s financing framework, representing a contract where one party authorizes another as their agent to perform specific tasks. This delegated authority ensures efficient and effective management of customer transactions within the boundaries of Shariah law.
Wa’d: Commitment for the Future
Wa’d involves a commitment given by one party to another to perform certain actions in the future. In the context of Bank Muamalat’s financing, Wa’d provides assurance to customers regarding future transactions, enhancing trust and confidence in the Shariah-compliant nature of the product.
Bai’ Wadhi’ah: Ethical Pricing
Bai’ Wadhi’ah represents a sale contract where the asset or commodity is sold at a price lower than the cost incurred by the customer. This ethical pricing mechanism ensures fairness and equity in transactions, reflecting the Islamic principles of justice and compassion.
In summary, Bank Muamalat’s Personal Financing-i (Tawarruq) adheres to Shariah principles through the careful application of Tawarruq, Murabahah, Wakalah, Wa’d, and Bai’ Wadhi’ah contracts. By incorporating these concepts, Bank Muamalat ensures transparency, fairness, and ethical conduct in its financing activities, providing customers with Shariah-compliant solutions for their financial needs.
Exclusive Financing Offers (Limited Time Only)
Employees of PR1MA Malaysia Corporation, Venture Tech, HDC, MBSB Bank, and Port Klang Malaysia are in for a treat with exclusive financing rates tailored just for them. Take advantage of these special offers:
Best Bank Muamalat Financing: Access the best financing solutions from Bank Muamalat, with maximum loan amounts of up to RM400,000. Whether you’re looking to purchase a home, a vehicle, or meet other financial needs, Bank Muamalat has you covered.
Extended Financing Period: Enjoy flexibility with financing periods of up to 10 years, allowing you ample time to repay your loans comfortably and without stress.
Mortgage with Up to 100% Financing: Fulfill your dreams of homeownership with mortgage options offering up to 100% financing. Say goodbye to hefty down payments and embrace the convenience of securing your dream home with ease.
Vehicle Financing Products with Up to 100% Financing: Drive away with your desired vehicle without breaking the bank. Benefit from vehicle financing products offering up to 100% financing, ensuring that you can hit the road with confidence and peace of mind.
Don’t miss out on these exclusive offers designed to cater to your unique financial needs. Whether it’s owning a home or purchasing a vehicle, Bank Muamalat is here to support you every step of the way. Unlock your financial potential and seize these special rates today!
Contact Bank Muamalat Malaysia Berhad (BMMB)
Bank Muamalat Malaysia Berhad Ibu Pejabat, Menara Bumiputra, 21 Jalan Melaka, 50100 Kuala Lumpur
Call Center +603-2600 5500
Download e Form
BMMB: Summary
Article Title: BMMB
Category: #Bank #PersonalLoan #BMMB
Purpose: #GeneralInformation
Source:bankmuamalat.com.my official website
Frequently Asked Questions (FAQ)
Find answers to common questions in our FAQ section. Whether you need help, guidance, or quick tips, we’ve got the information you need! Browse our expert responses and get the solutions you’re looking for—fast and easy.
Bagaimana anda menyemak samada syarikat tempat anda bekerja boleh membuat pinjaman peribadi dengan Bank Muamalat Malaysia Berhad?
Anda boleh menghubungi kami di talian 019-2983056 (WhatsApp, SMS atau Call). Selain itu, anda boleh menyemak di laman web rasmi Bank Muamalat Malaysia Berhad ataupun laman web pinjaman peribadi iaitu di personalfinancingloan.com untuk mendapatkan maklumat yang anda minta.
Adakah Bank Muamalat sebuah perbankan patuh shariah?
Ya, Bank Muamalat adalah sebuah institusi perbankan patuh Shariah. Ia mengamalkan prinsip-prinsip perbankan Islam dalam semua operasinya, termasuk dalam produk dan perkhidmatannya. Ini bermakna semua urus niaga, pelaburan, dan pembiayaan yang ditawarkan oleh Bank Muamalat dipatuhi dengan syariah Islam, seperti larangan terhadap riba (faedah), spekulasi, dan unsur-unsur yang tidak berasaskan syariah lainnya.
Bagaimanakah proses akad jual beli dalam pembiayaan peribadi dilakukan oleh bank?
Dalam pembiayaan peribadi yang patuh Shariah, proses akad jual beli yang digunakan adalah akad Murabahah atau Bai’ Al-Inah, tergantung pada struktur pembiayaan yang diberikan oleh bank.
Akad Murabahah: Dalam akad ini, bank membeli barang yang dikehendaki oleh pelanggan, seperti barang kewangan atau komoditi, dengan harga tunai. Kemudian, bank menjual kembali barang tersebut kepada pelanggan dengan harga yang telah ditetapkan bersama, tetapi dengan bayaran balik secara ansuran yang telah dipersetujui sebelumnya. Oleh itu, bank memperoleh keuntungan dari perbezaan harga antara harga pembelian dan harga jual.
Bai’ Al-Inah: Dalam akad ini, pelanggan menjual barang yang dimiliki kepada bank pada harga tunai. Kemudian, bank menjual semula barang tersebut kepada pelanggan dengan harga yang lebih tinggi, tetapi dengan pembayaran balik secara ansuran. Walau bagaimanapun, terdapat kritikan mengenai Bai’ Al-Inah, di mana ada pandangan bahawa ia boleh dianggap sebagai bentuk pembiayaan ribawi yang bertentangan dengan prinsip perbankan Islam.
Dalam kedua-dua situasi, proses akad jual beli ini dijalankan dengan mematuhi prinsip-prinsip syariah Islam, termasuk prinsip kejelasan, kepilahan, dan keadilan dalam transaksi kewangan. Oleh itu, ia memastikan bahawa pembiayaan peribadi yang disediakan oleh bank adalah patuh Shariah dan mematuhi ajaran Islam.
Mengapakah pinjaman peribadi patuh shariah lebih menguntungkan berbanding perbankan konvensional?
Pinjaman peribadi patuh Shariah menawarkan beberapa kelebihan berbanding perbankan konvensional yang menggunakan model riba (faedah atau interest). Beberapa keuntungan utama adalah seperti berikut:
Patuh Syariah: Pinjaman peribadi patuh Shariah beroperasi mengikut prinsip-prinsip syariah Islam yang mengharamkan riba. Ini bermakna tidak ada faedah atau caj tambahan yang dikenakan kepada pelanggan. Sebaliknya, bank mendapat keuntungan melalui mekanisme jual beli aset atau perkhidmatan, seperti akad Murabahah atau Musyarakah Mutanaqisah, yang lebih selaras dengan prinsip-prinsip kewangan Islam.
Keadilan dan Kepentingan Bersama: Transaksi dalam pinjaman peribadi patuh Shariah mendorong keadilan dan kesetaraan di antara pihak-pihak yang terlibat. Bank dan pelanggan berkongsi risiko dan keuntungan secara adil, yang memupuk hubungan yang lebih baik dan saling menghormati antara kedua-dua pihak.
Kejelasan dan Ketelusan: Produk dan perkhidmatan perbankan Islam dikenali dengan kejelasan dan ketelusan yang tinggi dalam urus niaga mereka. Terdapat penekanan yang tinggi pada pengungkapan butiran kontrak dan peraturan, membolehkan pelanggan membuat keputusan yang lebih berinformasi.
Kemajuan Sosial: Pinjaman peribadi patuh Shariah sering kali dikaitkan dengan program-program kebajikan dan sumbangan kepada masyarakat. Ini membolehkan pelanggan merasa bahawa mereka menyokong institusi yang mempunyai komitmen kepada nilai-nilai sosial dan kemanusiaan.
Fokus pada Asas Ekonomi: Perbankan Islam menekankan aktiviti-aktiviti ekonomi yang berdasarkan pada asas yang lebih kukuh dan berkelanjutan. Ini termasuk mempromosikan pelaburan produktif, pembiayaan projek-projek pembangunan, dan meminimumkan spekulasi dan aktiviti yang bercanggah dengan prinsip-prinsip Islam.
Dengan kelebihan-kelebihan ini, pinjaman peribadi patuh Shariah menawarkan pendekatan yang lebih etis dan bertanggungjawab terhadap pembiayaan peribadi, yang sering kali dianggap lebih menguntungkan dan sesuai dengan nilai-nilai masyarakat Islam.
Is Bank Muamalat owned by government?
No, Bank Muamalat Malaysia Berhad (BMMB) is not owned by the government. It is Malaysia’s first Islamic bank, established in 1999, and it operates as a commercial bank under Shariah principles. While it has no direct ownership by the government, it operates within the regulatory framework set by Bank Negara Malaysia, the country’s central bank.
Why do most armed forces in Malaysia choose to apply for personal financing with Bank Muamalat?
Most armed forces in Malaysia apply for personal financing with Bank Muamalat due to several reasons. Firstly, Bank Muamalat offers specific financing products tailored to the needs of armed forces personnel, such as special rates and packages designed for them. Secondly, there may be partnerships or agreements between Bank Muamalat and the armed forces, providing convenient access to financing options for military personnel.
Additionally, Bank Muamalat may have a strong reputation for reliability and trustworthiness among armed forces members, leading them to prefer this bank for their financial needs. Finally, factors like convenient application processes, flexible repayment terms, and responsive customer service may also contribute to the popularity of Bank Muamalat among armed forces personnel seeking personal financing.
Bank Personal Loans
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
Maybank Personal Loan: Empowering Your Financial Journey with Competitive Rates! Discover boundless financial opportunities through Maybank’s personal loan solutions. Embrace a future of prosperity with…
Bank Islam Personal Loan: The Ultimate Financing in Malaysia Explore Bank Islam’s personal loan for swift solutions and competitive rates. Click for details on quick…
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Explore Bank Islam’s personal loan options designed to empower you on your financial journey. With flexible terms and competitive rates, our personal loans offer the support you need to achieve your goals and dreams. Whether it’s for education, home improvements, or unexpected expenses, Bank Islam is here to help you make it happen. Find out how you can secure your future with confidence today.
Bank Islam Malaysia Berhad (BIMB) pioneers Islamic banking in Malaysia, boasting the widest network of dedicated Islamic banking channels. Explore BIMB’s personal loan offerings and experience financial solutions tailored to your needs
Pioneering Islamic Banking in Malaysia
A Trailblazer in Malaysia’s Financial Landscape
Established on July 1, 1983, Bank Islam stands as Malaysia’s premier Islamic bank, pioneering Shariah-compliant financial solutions in the region. With an expansive network of over 144 branches nationwide, Bank Islam has been at the forefront of providing banking services grounded in Islamic principles.
A Legacy of Over Three Decades
Bank Islam: Spearheading Islamic Finance Since 1983
For more than 35 years, Bank Islam has been dedicated to offering innovative financial products and services. As the first Islamic bank in Malaysia, its establishment marked a significant milestone in the development of Islamic banking not only within Malaysia but also across the ASEAN region.
Empowering Professionals with Personal Financing
Empowering Malaysia’s Professionals
Bank Islam offers a unique financing program tailored to professionals across various sectors. Designed to meet the diverse financial needs of individuals, this program provides accessible financing solutions for professionals such as medical doctors, dentists, accountants, engineers, lecturers, architects, safety officers, pharmacists, veterinarians, optometrists or opticians, quantity surveyors, and actuaries.
Eligibility and Requirements
Unlocking Financial Opportunities
To qualify for Bank Islam’s Personal Financing for Professionals Program, applicants must meet specific eligibility criteria:
Age Requirement: Applicants must be above 25 years old and not exceed the retirement age at the end of the payment period.
Citizenship: Malaysian citizenship is a prerequisite for eligibility.
Professional Status: Applicants must be employed as professionals in designated fields, including medical, accounting, engineering, education, architecture, occupational health and safety, pharmaceuticals, veterinary medicine, optometry, quantity surveying, and actuarial science.
Stable Income: As fixed-income earners, applicants should have a minimum gross income of RM3,500.
Personal Financing Options
Understanding Bank Islam’s Personal Financing-i Non-Package
Empowering Individuals with Flexible Financing Solutions: Bank Islam’s Personal Financing-i Non-Package provides individuals with a versatile financing solution designed to meet their diverse financial needs.
Eligibility Criteria for Personal Financing-i Non-Package
Navigating the Requirements for Accessible Funding: To qualify for this financing solution, applicants must meet specific eligibility criteria outlined by Bank Islam:
Age Requirement: Applicants must be at least 18 years old and not exceed the retirement age at the end of the payment period.
Citizenship: Malaysian citizenship is a prerequisite for eligibility.
Minimum Income: Applicants must have a minimum fixed income of RM3,500 per month.
Employment Status: Applicants must be employed and maintain continuous employment in any of the following sectors, as categorized by Bank Islam:
Public Listed Companies
Exploring Bank Islam’s Personal Financing-i Package
Customized Financing Solutions for Specific Sectors: Bank Islam’s Personal Financing-i Package caters to individuals employed in specific sectors, offering tailored financing solutions with competitive terms.
Eligibility Criteria for Personal Financing-i Package
Navigating the Requirements for Sector-Specific Financing: To qualify for this financing option, applicants must fulfill the following eligibility criteria established by Bank Islam:
Age Requirement: Applicants must be at least 18 years old and not exceed the retirement age at the end of the payment period.
Citizenship: Malaysian citizenship is mandatory.
Minimum Income: Applicants must have a minimum fixed income of RM2,000 per month.
Employment Status: Applicants must maintain continuous employment in any of the following sectors, as specified by Bank Islam:
Government Sector
Selected Public Listed Companies
Subsidiaries of Government or Selected Public Listed Company
Other Prominent Private Limited Companies as categorized under package companies listed by Bank Islam
Bank Islam Profit Rate
Professional Program
Introduction
Bank Islam offers the Personal Financing for Professional Program, providing individuals with financial assistance tailored to their needs.
Financing Details
Base Rate (BR) + 1.90%/p.a
Financing Quantum: The financing amount is determined based on eligibility criteria, ranging from a minimum of RM10,000 to a maximum of RM300,000.
Payment Period: Borrowers can opt for a repayment period of up to 10 years (120 months) or until reaching the retirement age, whichever comes first.
Financing Rates
Offer with Takaful Coverage
Floating Rate:
1-3 years: Base Rate (BR) + 1.90% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
4-10 years: Base Rate (BR) + 2.11% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
Note: The revised Base Rate (BR) effective from 10 July 2020 is 2.52% p.a.
Offer Without Takaful Coverage
Floating Rate:
1-3 years: Base Rate (BR) + 3.38% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
4-10 years: Base Rate (BR) + 5.28% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
Note: The revised Base Rate (BR) effective from 10 July 2020 is 2.52% p.a.
Non-Package Financing Details
4.5% /p.a. (Flat)
Financing Quantum: Eligible individuals can obtain financing ranging from RM10,000 to RM150,000.
Payment Period: Borrowers have the flexibility to repay the loan within a maximum period of 120 months (10 years) or until retirement.
Financing Rates
Offer with Takaful Coverage
Flat Rate:
1 – 3 years: 4.5% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
4 – 8 years: 4.9% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
9 – 10 years: 5.50% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
Offer Without Takaful Coverage
Flat Rate:
1 – 3 years: 5.5% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
4 – 8 years: 5.9% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
9 – 10 years: 6.5% p.a. (Flat). (Profit is calculated on a monthly basis using “Sum of Digit”).
Bank Islam Personal Financing-i Package
Financing Details
Base Rate (BR) + 3.38% /p.a
Financing Quantum: Individuals can obtain financing within the range of RM10,000 to RM300,000 based on eligibility.
Payment Period: The repayment period extends up to 10 years (120 months) or until reaching the retirement age, whichever is earlier.
Financing Rates
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 using “Monthly Rest”).
4-10 years: Base Rate (BR) + 2.00% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
Note: The revised Base Rate (BR) effective from 10 July 2020 is 2.52% p.a.
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 using “Monthly Rest”).
4-10 years: Base Rate (BR) + 5.28% p.a. (Profit is calculated on a daily basis using “Monthly Rest”).
Note: The revised Base Rate (BR) effective from 10 July 2020 is 2.52% p.a.
Flat Rate Offer
With Takaful Coverage:
1-10 years: 4.99% p.a. (Profit is calculated on a monthly basis using “Sum of Digit”).
Without Takaful Coverage:
1-10 years: 5.99% p.a. (Profit is calculated on a monthly basis using “Sum of Digit”).
Syariah Compliant Personal Financing
Bank Islam Malaysia Berhad stands as a beacon of ethical and transparent banking practices, offering Syariah-compliant personal financing solutions to cater to the diverse needs of individuals. With a commitment to providing competitive interest rates and Islamic loans, Bank Islam is the ideal choice for those seeking financial peace of mind.
Catering to All Individuals and Professionals
Bank Islam’s personal financing options are tailored to cater to individuals from all walks of life, including professionals in various fields. Whether you’re a working professional, entrepreneur, or self-employed individual, Bank Islam’s financing solutions are designed to meet your unique financial needs with ease and convenience.
Competitive and Peaceful Financing Solutions
Experience the peace of mind that comes with Bank Islam’s Syariah-compliant financing options. With competitive monthly installments and transparent terms, you can rest assured that your financial interests are protected while achieving your goals. In addition to personal loans, Bank Islam also offers a range of other services, including credit cards, housing loans, and home financing-I, ensuring that all your financial needs are met under one roof.
Personal Loan Options
Bank Islam Malaysia Berhad offers a diverse range of personal financing solutions tailored to meet your financial needs. Whether you’re looking for flexibility, security, or prefer a promotional rate, Bank Islam has the right option for you.
Cash Line-i
The Cash Line-i financing facility from Bank Islam Malaysia Berhad provides customers with flexible options to meet their financial needs. With various financing packages available, including secured and non-package options, BIMB ensures that individuals can access the funds they require with ease.
Secured Cash Line-i
Financing Quantum: Subject to a minimum of RM10,000.
Margin of Financing: Up to 100% if secured against fixed deposit, up to 80% if secured against structured investment, and up to 60% if secured against unit trust.
Payment Period: Maximum of 5 years (60 months) with no age limit for fixed deposit or structured investment. For unit trust, up to 5 years (60 months) or up to the retirement age or 70 years old, whichever is earlier.
Fixed Deposit, Structured Investment or Unit Trust
Financing Quantum: Subject to a minimum of RM5,000.
Margin of Financing: Similar to the secured option.
Payment Period: Mirrors the secured option.
Personal Financing-i Non-Package
Financing Quantum: Based on eligibility, ranging from RM10,000 to RM150,000.
Guarantor Requirement: No guarantor required for financing RM30,000 and below. One guarantor needed for amounts exceeding RM30,000.
Payment Period: Maximum of 120 months (10 years) or up to the retirement age.
Personal Financing-i Package
Financing Quantum: Determined by eligibility, with amounts ranging from RM10,000 to RM300,000.
Payment Period: Maximum of 10 years (120 months) or up to the retirement age.
Promotional Rate for Teachers and Nurses
For a limited time, Bank Islam Malaysia Berhad offers a promotional rate for teachers and nurses. Don’t miss this exclusive opportunity to secure financing with special terms and conditions.
Personal Financing-i Programme for Medical Practitioner
Bank Islam Malaysia Berhad (BIMB) introduces the Personal Financing-i Package tailored specifically for medical practitioners, offering a flexible and competitive financing solution to meet their unique financial needs.
Introduction:
The Personal Financing-i Package from BIMB provides customers with an attractive financing option, boasting competitive rates and flexible payment periods to cater to diverse financial requirements.
Financing Quantum and Payment Period Tenures:
Financing amounts range from a minimum of RM10,000 to a maximum of RM300,000, subject to eligibility.
Payment periods extend up to 10 years (120 months) or until the borrower reaches retirement age, whichever comes earlier.
Financing Rate Offer with Takaful Coverage:
Flat Rate:
1-3 years: 4.20% p.a.
4-10 years: 4.35% p.a.
Floating Rate (Base Rate [BR]):
1-3 years: BR + 2.38% p.a.
4-10 years: BR + 3.02% p.a.
(Revised BR effective date 10 May 2019: 3.77% p.a.)
Financing Rate Offer Without Takaful Coverage:
Flat Rate:
5.99% p.a. for 1-10 years.
Floating Rate (Base Rate [BR]):
1-3 years: BR + 3.38% p.a.
4-10 years: BR + 5.28% p.a.
(Revised BR effective date 10 May 2019: 3.77% p.a.)
Eligibility & Requirements:
Eligibility (Salary Earner):
Malaysian citizen aged 25 to retirement age.
Minimum gross income of RM2,000 per month.
Minimum tenure in service: 6 months for permanent staff and 2 years for contract staff (Government only).
Eligibility (Sole Proprietorship or Partnership):
Malaysian citizen aged 25 to retirement age (maximum entry age is 65 years).
Minimum gross monthly income of RM2,000.
Minimum of 2 years in business.
Documents Required:
For salary earner applicant: Identity card, latest pay slip, confirmation letter from employer, and additional income verification documents.
For Sole Proprietorship or Partnership: Identity card.
Fees & Charges:
RM50.00 agent fee for commodity sale transactions.
Find answers to common questions in our FAQ section. Whether you need help, guidance, or quick tips, we’ve got the information you need! Browse our expert responses and get the solutions you’re looking for—fast and easy.
What is the first Islamic Banking in Malaysia?
The first Islamic Banking in Malaysia is Bank Islam Malaysia Berhad or knows as BIMB and is established in year 1983.
Why should you apply for a personal loan with Bank Islam Malaysia Berhad (BIMB)?
Applying for a personal loan with Bank Islam Malaysia Berhad (BIMB) ensures you benefit from the expertise of Malaysia’s first Islamic bank. With a reputation built on trust and innovation, BIMB offers tailored financial solutions designed to meet your needs. Enjoy competitive rates, flexible terms, and personalized service, backed by the widest network of dedicated Islamic banking channels in the country. Choose BIMB for peace of mind and financial empowerment on your terms.”
Why is Islamic banking growing bigger in Malaysia?
Islamic banking has experienced significant growth in Malaysia for several reasons:
Strong Regulatory Support: Malaysia’s government has actively supported the development of Islamic finance through regulatory frameworks and policies. The establishment of Bank Negara Malaysia (Central Bank of Malaysia) as the regulatory authority for Islamic banking has provided a stable and supportive environment for growth.
Growing Muslim Population: Malaysia has a predominantly Muslim population, which has driven demand for Sharia-compliant financial products and services. Islamic banking resonates with the religious and cultural values of many Malaysians, leading to its widespread acceptance and adoption.
Innovative Products and Services: Malaysian Islamic banks have been proactive in developing innovative Islamic financial products and services to cater to the diverse needs of consumers and businesses. This innovation has contributed to the attractiveness of Islamic banking compared to conventional banking.
International Recognition: Malaysia’s success in developing its Islamic finance industry has gained international recognition, attracting investments and partnerships from global Islamic financial institutions. This has further fueled the growth of Islamic banking in the country.
Financial Inclusion: Islamic banking has played a role in promoting financial inclusion by offering accessible and inclusive financial solutions to segments of the population previously underserved by conventional banks. This has contributed to the expansion of the Islamic banking sector in Malaysia.
Overall, a combination of supportive regulation, cultural affinity, innovation, international recognition, and a focus on financial inclusion has contributed to the significant growth of Islamic banking in Malaysia.
What products and services does Islamic banking offer in Malaysia?
Islamic banking in Malaysia offers a wide range of products and services tailored to meet the needs of customers while adhering to Islamic principles. Some of the key products and services include:
Islamic Financing Products: These include various types of financing facilities such as:
Islamic Home Financing (Musharakah Mutanaqisah or Bai Bithaman Ajil)
Islamic Auto Financing (Ijarah Thumma Al-Bai or Murabahah)
Islamic Personal Financing (Murabahah or Qardh)
Islamic Business Financing (Musharakah or Mudharabah)
Islamic Working Capital Financing (Murabahah or Bai’ Al-‘Inah)
Islamic Deposit Products: These are savings and investment accounts that comply with Sharia principles, such as:
Islamic Current Accounts
Islamic Savings Accounts
Islamic Fixed Deposit Accounts
Islamic Investment Accounts (Mudarabah or Wakalah)
Islamic Wealth Management Services: These services cater to individuals and institutions seeking Sharia-compliant investment opportunities, including:
Islamic Unit Trust Funds
Sharia-Compliant Asset Management
Wealth Advisory Services
Islamic Takaful (Insurance): Takaful is Islamic insurance based on the principles of mutual cooperation, solidarity, and shared responsibility. It offers various types of coverage, including life, health, property, and general takaful.
Islamic Cards: These are Sharia-compliant credit cards and debit cards that adhere to Islamic finance principles, such as not charging interest (riba) or engaging in transactions related to prohibited activities (haram).
Islamic Investment Products: These include Sharia-compliant investment vehicles such as:
Islamic Equity Funds
Islamic Bond Funds (Sukuk)
Islamic Real Estate Investment Trusts (REITs)
Islamic Private Equity Funds
These are just some examples of the products and services offered by Islamic banking institutions in Malaysia. The sector continues to innovate and expand to meet the evolving needs of customers while remaining true to Islamic finance principles.
Bank Islam: Summary
Article Title: Bank Islam
Category: #Bank #PersonalLoan
Purpose: #GeneralInformation
Source:Bank Islam official website
Bank Personal Loans
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
Maybank Personal Loan: Empowering Your Financial Journey with Competitive Rates! Discover boundless financial opportunities through Maybank’s personal loan solutions. Embrace a future of prosperity with…
Bank Islam Personal Loan: The Ultimate Financing in Malaysia Explore Bank Islam’s personal loan for swift solutions and competitive rates. Click for details on quick…
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Discover the ease and flexibility of MBSB Bank personal loan, offering swift approvals and adaptable repayment plans tailored to your needs. Achieve your financial goals with confidence and convenience.”
Malaysia Building Society Berhad: A Financial Holding Powerhouse
Introduction
Malaysia Building Society Berhad (MBSB) stands as the financial holding company of MBSB Bank Berhad, previously known as Asian Finance Bank Berhad. To explore the array of financial products and services provided by MBSB Bank, visit their website at www.mbsbbank.com.
History in Brief
The roots of Malaysia Building Society Berhad trace back to the Federal and Colonial Building Society Limited, founded in 1950. Renamed as Malaya Borneo Building Society Limited (MBBS) in 1956, with the Malaysian government as a major shareholder, MBBS was listed on the Stock Exchange of Malaya and Singapore in August 1963.
Incorporated in Malaysia under the Companies Act 1965 on 17 March 1970, MBSB was subsequently listed on the Kuala Lumpur Stock Exchange, now Bursa Malaysia, on 14 March 1972. Presently, the Employees Provident Fund (EPF) holds the majority stake in MBSB.
Corporate Highlights
Regulatory Compliance: MBSB has been granted an exemption under Section 7(4) of the Borrowing Companies Act 1969 (BCA). Following the transition from BCA to Finance Companies Act (FCA), all references to borrowing business and borrowing company were construed respectively as finance business and finance company. The FCA was later replaced by the Banking and Financial Institutions Act 1989 (BAFIA), which in turn was repealed and replaced with FSA 2013.
Strategic Acquisition: On 6 November 2017, MBSB entered into a Share Purchase Agreement with the shareholders of Asian Finance Bank Berhad (“AFB/Vendors”) for the acquisition of the entire equity interest in AFB. The acquisition, valued at RM644,952,807.66, was satisfied by a 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.
Approval and Integration: Shareholders approved the Acquisition on 23 January 2018, including the transfer of Shariah Compliant Assets and Liabilities of MBSB to AFB via a Members’ Scheme of Arrangement. Following the 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 underwent a rebranding exercise on 2 April 2018 and changed its name to MBSB Bank Berhad
MBSB Personal Financing-i: Tailored Solutions for Your Financial Needs
Introduction
Discover the convenience and flexibility of MBSB’s Shariah-compliant personal financing solutions. Whether you’re looking to fund a major purchase, consolidate debt, or cover unexpected expenses, our range of attractive packages is designed to meet your unique financial requirements.
Competitive Financing Rates
At MBSB, we understand the importance of affordability. That’s why we offer competitive financing rates to ensure that our customers can access the funds they need without breaking the bank. With financing amounts of up to RM400,000 and flexible repayment tenures of up to 10 years, you can choose a plan that suits your budget and lifestyle. Plus, with no guarantor required and no hidden charges, you can rest assured that you’re getting transparent and straightforward financing solutions.
Fast Approval Process
We know that time is of the essence when it comes to financial matters. That’s why our fast approval process ensures that you can access the funds you need when you need them. Whether you’re a public servant or a private sector employee, our financing options are designed to provide you with quick and hassle-free approval, so you can focus on what matters most.
Financing Options for Public Sector Employees
For public sector employees, we offer the Mumtaz-i and Afdhal-i financing options, each tailored to meet your specific needs. With competitive interest rates and flexible terms, you can choose the option that best fits your financial situation. Plus, with optional Takaful coverage and no early settlement charges, you can enjoy added peace of mind knowing that you’re protected against the unexpected.
Financing Options for Private Sector Employees
If you’re a private sector employee, our financing options are equally designed to provide you with the support you need. With competitive interest rates and financing amounts of up to RM300,000, you can access the funds you need to achieve your financial goals. Plus, with optional Takaful coverage and no early settlement charges, you can enjoy added flexibility and security throughout the repayment process.
Personal Loan Repayment Table
MBSB Personal Loan Repayment Table For Government Sector (Mumtaz-i)
Explore the MBSB personal loan repayment table for government sector (Mumtaz-i). With competitive interest rates and flexible terms, this financing option offers convenience and affordability for public servants. Repay your loan efficiently with our transparent repayment schedule, tailored to suit your financial needs. Enjoy peace of mind with optional Takaful coverage and no hidden charges. Experience hassle-free financing with MBSB.
MBSB Personal Loan Repayment Table for Private Sector-i
Discover the MBSB personal loan repayment table for private sector-i. With flexible terms and competitive interest rates, this financing option ensures convenience and affordability for private sector employees. Easily manage your loan repayment with our transparent schedule, customized to meet your financial requirements. Opt for optional Takaful coverage for added peace of mind and enjoy a hassle-free financing experience with no hidden charges. Empower your financial journey with MBSB today.
Pembiayaan Hebat Kadar Faedah Rendah dan Payout Tinggi
Keistimewaan Pembiayaan Peribadi
Bagi warga kakitangan kerajaan berjawatan tetap, mencari pembiayaan peribadi yang sesuai menjadi keutamaan. Salah satu pilihan yang menonjol adalah pembiayaan dengan kadar faedah rendah dan potongan payout yang tinggi.
Tanpa Guarantor, Dokumen Mudah
Salah satu kelebihan utama pembiayaan ini adalah ketiadaan keperluan untuk seorang guarantor atau penjamin. Proses permohonan juga sangat mudah dengan dokumen yang ringkas dan tidak rumit.
Potongan Payout Langsung dari Bank
Kelebihan yang menarik bagi pemohon adalah semua potongan payout diberikan langsung daripada bank, menjadikan pembiayaan ini lebih fleksibel dan berbaloi. Tiada bayaran upfront atau bayaran proses yang dikenakan, memberikan kelegaan kepada pemohon.
Pakej Personal Loan yang Unik dari MBSB Tahun 2010
Pakej Waslah
Pakej Waslah daripada MBSB menonjol sebagai pilihan yang popular, menawarkan potongan sehingga 75% dari pendapatan. Ini menjadikan pinjaman peribadi MBSB Waslah menjadi pilihan utama kerana potongan yang besar dan kadar faedah yang bersaing.
Proses Permohonan Mudah
Untuk semakan kelayakan pinjaman peribadi MBSB, pemohon hanya perlu menghubungi melalui panggilan, SMS, atau WhatsApp dengan menghantar payslip dan penyata gaji terkini. Proses ini cepat dan mudah, membolehkan pemohon mendapatkan keputusan dengan pantas.
Pembiayaan 2013 MBSB (Tamat)
Pinjaman peribadi MBSB turut menyertakan ucapan Selamat Menyambut Tahun Baru 2013! Menyambut tahun baru ini, MBSB dengan bangga memperkenalkan tiga (3) produk terbaru yang dilancarkan pada tahun 2013.
Keistimewaan Promosi
Promosi ini terhad dari 1 Januari 2012 hingga 28 Februari 2013, menyediakan tawaran menarik untuk tempoh dua bulan sahaja. Kelayakan pinjaman ditingkatkan sehingga 70% dari jumlah pendapatan, berbanding dengan kadar biasa yang hanya 60%.
Terbuka kepada Pelbagai Kategori
Pembiayaan ini terbuka kepada kakitangan awam (AG), kerajaan negeri, dan Universiti Awam. Ia juga membenarkan fresh loan dan external overlap, dengan pembiayaan maksimum sehingga RM250,000.
Prosedur Pembiayaan
Payout yang tinggi sebanyak 97% (dengan processing fee sebanyak 3.0%) menjadikan pembiayaan ini lebih menarik. Namun, pemohon perlu memastikan penyelesaian blacklist CTOS sebelum memohon.
Tamatnya Pakej Pinjaman Peribadi MBSB Max-i 2
Pakej pinjaman peribadi yang popular, MBSB Max-i 2, kini telah tamat. Namun, sepanjang tempoh berkhidmat, ia menawarkan kemudahan yang menarik kepada pemohon.
Keistimewaan Pakej
MBSB Max-i 2 menawarkan financing amount sehingga RM250,000, menjadikannya pilihan yang menarik bagi keperluan kewangan yang pelbagai. Yang menariknya, pakej ini menawarkan kadar payout sebanyak 100%.
Kadar Faedah
Kadar faedah bagi produk terkini ini dicadangkan pada kadar 4.77%, memberikan penyelesaian kewangan yang berbaloi. Kelayakan pinjaman juga ditingkatkan hingga 70% dari jumlah pendapatan.
Kemudahan Tambahan
Pemohon juga dialu-alukan dari badan berkanun seperti Telekom, TNB, LHDN, SSM, dan lain-lain. External overlap dibenarkan, dan pemohon perlu memastikan penyelesaian blacklist CTOS sebelum memohon.
Walaupun pakej Max-i 2 telah tamat, pelanggan disyorkan untuk mengambil peluang daripada pelbagai pakej pinjaman peribadi yang ditawarkan oleh MBSB. Jangan lepaskan peluang untuk mendapatkan pembiayaan peribadi yang sesuai dengan keperluan kewangan anda.
MBSB Premium Plus Package dari Bank (Tamat)
Premiun Plus Package adalah pakej yang ulung dari MBSB Bank dengan tawaran pembiayaan sehingga RM400,000. Bagi mereka yang memerlukan pinjaman yang besar, pakej ini menawarkan kemudahan yang sesuai.
Keistimewaan Pakej
Pakej Premium Plus Package menawarkan financing amount sehingga RM400,000, menjadikannya pilihan yang sesuai bagi keperluan kewangan yang besar. Ia juga menyediakan kemudahan overlap dan restructuring deduction payslip, memberikan fleksibiliti kepada pemohon.
Maksimum Pembiayaan dan Tempoh
Maksimum pembiayaan bagi pinjaman peribadi MBSB Premium Plus Package adalah RM400,000 atau 15 kali gaji, mana yang lebih rendah. Tempoh pembiayaan maksima adalah 15 tahun atau tidak melebihi umur persaraan 60 tahun. Kadar keuntungan adalah 4.99% flat rate sepanjang tempoh pinjaman.
Syarat Utama
Syarat utama untuk memohon adalah pemohon mesti mempunyai gaji minima sekurang-kurangnya RM15,000 termasuk elaun tetap. Payout yang tinggi sebanyak 97% (dengan processing fee sebanyak 3.0%) menjadikan pembiayaan ini lebih berbaloi. Pemohon juga perlu memastikan penyelesaian blacklist CTOS sebelum memohon.
Pakej Pembiayaan Peribadi MBSB Bank 2012
Pada tahun 2012, MBSB Bank menawarkan beberapa pakej pembiayaan peribadi yang menarik kepada pelanggan. Berikut adalah ringkasan pakej yang ditawarkan:
Interest 4.3%
Pakej ini menawarkan kadar faedah serendah 4.3%. Pemohon perlu mempunyai overlap loan selain daripada MBSB, dengan jumlah overlap sekurang-kurangnya RM50,000. Payout yang ditawarkan adalah sebanyak 93%.
Interest 4.99%
Pakej ini menawarkan kadar faedah sebanyak 4.99% dengan payout sebanyak 100%. Ia terbuka kepada kakitangan awam (AG) dan Polis sahaja.
Interest 5.5% (Waslah)
Pakej ini dikenali sebagai Waslah, dengan kadar faedah sebanyak 5.5%. Payout yang ditawarkan adalah sebanyak 96%.
Vaganza
Pakej Vaganza menawarkan kadar faedah sebanyak 5.5%.
Pemohon yang mencari pembiayaan peribadi pada tahun 2012 pasti mendapati pelbagai pilihan yang sesuai dengan keperluan kewangan masing-masing daripada MBSB Bank.
MBSB XChange-i dan Max-i (Tamat)
Selepas penamatan MBSB Waslah 75% loan, MBSB kini melancarkan dua pembiayaan terbaharu yang dikenali sebagai Pakej Pinjaman Peribadi XChange-i dan pembiayaan peribadi Max-i khas kepada penjawat awam.
XChange-i
Kadar Faedah: 3.99% flat rate (promosi early bird).
Jumlah Pembiayaan: Minimum RM50,000 hingga RM200,000.
Syarat Utama: Wajib overlap loan bank lain ke MBSB dengan nilai overlap minimum RM30,000. Overlap in-house boleh dimasukkan ke dalam pakej Pinjaman Peribadi Max-i.
Tempoh Pembiayaan: Minimum 5 tahun hingga maksimum 20 tahun.
Kriteria Penting: Pembiayaan sehingga 65% dari jumlah pendapatan. Pemohon dengan rekod blacklist CTOS perlu menyelesaikan, dan jumlah blacklist di bawah 20,000 layak mendapat kadar istimewa 3.99%.
Promosi: Kadar faedah promosi 3.99% sehingga 31 Mac 2012.
Max-i (Khusus Penjawat Awam)
Kadar Faedah: Tertakluk kepada pengumuman terkini.
Syarat Utama: Wajib overlap loan bank lain ke MBSB. Overlap in-house boleh dimasukkan ke dalam pakej ini.
Tempoh Pembiayaan: Maksimum sehingga umur persaraan atau tertakluk kepada pengumuman terkini.
Pelanggan MBSB kini mempunyai peluang untuk mendapatkan pembiayaan peribadi dengan kadar faedah yang kompetitif melalui pakej XChange-i dan Max-i. Jangan lepaskan peluang untuk memanfaatkan promosi istimewa sehingga 31 Mac 2012!
Max-i (Lain-Lain)
Pembiayaan Personal Financing Max-i dari MBSB kini telah ditamatkan. Namun, sepanjang tempoh berkhidmat, ia menawarkan kemudahan yang bermanfaat kepada pemohon.
Keistimewaan Pakej
MBSB Max-i menyediakan pelbagai kemudahan yang termasuk kadar faedah yang kompetitif, jumlah pembiayaan yang fleksibel, dan tempoh pembiayaan yang sesuai.
Syarat-Syarat Penting
Kadar Faedah: Kadar faedah adalah antara 4.99% dan 5.2% flat rate.
Jumlah Pembiayaan: Minimum RM3,000 hingga maksimum RM250,000.
Tempoh Pembiayaan: Minimum 5 tahun hingga maksimum 20 tahun.
Overlap In-house: Skim Max-i hanya untuk overlap in-house personal loan sahaja.
Pembiayaan Pinjaman: Maksimum sehingga 65% dari jumlah pendapatan.
Blacklist CTOS: Pemohon yang mempunyai rekod blacklist CTOS wajib untuk menyelesaikannya sebelum memohon.
Waslah 75% (Promosi Tamat)
Pembiayaan MBSB Waslah 75% menawarkan kemudahan yang hebat dengan kadar faedah yang rendah. Namun, promosi ini kini telah tamat. Ia menawarkan pelbagai kelebihan termasuk interest rendah dan pelan pembayaran yang fleksibel.
Contact MBSB Bank
Wisma MBSB 48, Jalan Dungun,Damansara Heights, 50490 Kuala Lumpur
Telephone: 03-2096 3000
Fax: 03-2096 3292
MBSB Bank: Summary
Article Title: MBSB Bank
Category: #Bank #PersonalLoan #MBSB
Purpose: #GeneralInformation
Source:Maklumat Agen official website
Bank Personal Loans
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Temui kelebihan pinjaman peribadi terbaik yang ditawarkan oleh kami di Koperasi AID. Dengan kadar yang kompetitif dan kemudahan pembayaran yang fleksibel, kami memastikan pelanggan mendapat penyelesaian kewangan yang sesuai dengan keperluan mereka. Bersama kami, anda dapat merancang perbelanjaan anda dengan lebih yakin dan mengejar impian anda tanpa halangan.
Semakan Kelayakan Pinjaman Peribadi
Anda berminat untuk mendapatkan pinjaman peribadi dari Koperasi AID? Jangan risau! Proses semakan kelayakan pinjaman peribadi adalah mudah dan cepat. Kami akan membantu anda melangkah ke arah kewangan yang lebih stabil.
Pengalaman dengan Koperasi AID
Pendaftaran Mudah dan Efisien
Koperasi Serbaguna Pertanian Perusahaan Kemajuan Berhad, lebih dikenali sebagai Koperasi AID, muncul sebagai pilihan utama bagi individu yang mencari pembiayaan peribadi tanpa kerumitan. Pendaftaran dengan koperasi ini tidak hanya mudah tetapi juga efisien, menghilangkan keperluan untuk menghadapi proses yang rumit dan memakan masa.
Penawaran Borang Pinjaman Peribadi
Apabila mendaftar sebagai agen atau perunding kewangan dengan Koperasi AID, anda akan diberikan 10 set borang permohonan pinjaman peribadi. Artikel ini memberikan pendedahan terperinci mengenai kriteria kelayakan untuk pinjaman, termasuk proses pengiraan had kelayakan pinjaman serta jenis elaun yang boleh dan tidak boleh diambil kira dalam pengiraan tersebut.
Latihan dan Panduan Praktikal
Koperasi AID bukan sahaja menawarkan perkhidmatan pinjaman, tetapi juga menyediakan latihan praktikal dan panduan kepada agen-agen yang baru mendaftar. Ketua jabatan pembiayaan koperasi akan memberikan arahan yang diperlukan untuk memastikan kecekapan dalam penyediaan perkhidmatan kepada pelanggan.
Pengalaman Peribadi
Menginjakkan kaki pertama kali di pejabat Koperasi AID di Petaling Jaya, Selangor, adalah pengalaman yang tidak dapat dilupakan. Penerimaan yang baik dan proses yang lancar menjadikan pengalaman itu membangkitkan keyakinan. Pada masa itu, permohonan pinjaman peribadi menjadi sangat popular kerana kemudahan yang diberikan kepada agen luar. Permohonan diluluskan dengan cepat, mencerminkan kejayaan awal koperasi sebelum kemunculan program payout 100% dan MBSB Waslah 75%.
Produk Pembiayaan Terbaik Koperasi AID 5.99%
Kadar Keuntungan Rendah
Salah satu produk pembiayaan yang terbaik dan paling popular dari Koperasi AID adalah yang menawarkan kadar keuntungan yang rendah. Dengan kadar keuntungan tetap sebanyak 5.99%, pemohon dapat menikmati kestabilan dalam pembayaran ansuran tanpa kebimbangan akan kenaikan kadar yang tiba-tiba.
Proses Cepat
Pemohon juga dapat menikmati proses pembiayaan yang cepat dengan Koperasi AID. Dalam tempoh standard 3-4 minggu, pemohon dapat menyelesaikan proses permohonan dan menerima kelulusan serta pembiayaan dengan cepat dan mudah.
Pengeluaran Blacklist
Bagi pemohon yang mempunyai masalah blacklist, proses pembiayaan dengan Koperasi AID tetap mudah. Cukup dengan mendapatkan surat penyata baki terkini, pemohon masih berpeluang untuk mendapatkan pembiayaan yang diperlukan tanpa terlalu banyak kesulitan.
Tempoh Pembiayaan Pendek
Pembiayaan yang ditawarkan oleh Koperasi AID adalah untuk tempoh pendek sahaja, iaitu 10 tahun. Dengan tempoh yang singkat, pemohon dapat menyelesaikan pembayaran pembiayaan dengan lebih cepat, menjimatkan kos dalam jangka masa panjang.
Fi Yuran Koperasi yang Berpatutan
Untuk menikmati semua kelebihan produk pembiayaan ini, pemohon hanya perlu membayar fi yuran koperasi sebanyak RM30. Ini adalah fi yang berpatutan mengambil kira manfaat yang diberikan oleh produk pembiayaan Koperasi Serbaguna Pertanian (AID).
Pakej Pinjaman Peribadi dengan Al-Rajhi Bank
Kerjasama dengan Al-Rajhi Bank
Koperasi Serbaguna Pertanian Perusahaan Kemajuan Berhad telah menjalin kerjasama strategik dengan Al-Rajhi Bank sebagai dana utama dalam pakej pinjaman peribadi mereka. Ini membawa kepada penawaran yang lebih menarik dan kelebihan yang meluas kepada pemohon pinjaman.
Syarat-Syarat Pinjaman (Promosi Tamat)
Walaupun promosi tamat, pakej pinjaman ini memberikan pelbagai manfaat kepada pemohon. Antara syarat-syarat yang ditawarkan termasuk kadar faedah serendah 7.99% dan tempoh pembiayaan yang luas sehingga 20 tahun. Selain itu, pemohon boleh memperoleh pinjaman sehingga RM200,000, memberi mereka kebebasan kewangan untuk memenuhi keperluan mereka.
Terhad kepada Kakitangan Kerajaan Berjawatan Tetap
Perlu diingatkan bahawa pinjaman ini terhad kepada kakitangan kerajaan berjawatan tetap sahaja. Ini adalah untuk memastikan kriteria kelayakan yang ditegakkan dengan ketat bagi memastikan kestabilan kewangan pemohon.
Alternatif Pinjaman AID
Bagi mereka yang tidak layak untuk pinjaman ini, Koperasi AID menyediakan alternatif lain yang mungkin sesuai dengan keperluan mereka. Dengan komitmen untuk menyediakan perkhidmatan kewangan yang berkualiti, Koperasi AID terus berusaha untuk memenuhi keperluan pelanggan dengan cara yang terbaik.
Walaupun pakej pinjaman ini telah tamat promosi, ia menonjolkan keupayaan Koperasi Serbaguna Pertanian Perusahaan Kemajuan Berhad untuk bekerjasama dengan institusi kewangan terkemuka untuk memberikan penyelesaian kewangan yang bermakna kepada masyarakat.
Pinjaman Peribadi Kadar Faedah Rendah 7.99%
Menawarkan kadar faedah 7.99% pada kadar flat.
Al-Rajhi Bank sebagai dana utama.
Tempoh pembiayaan 20 tahun.
Maksimum pinjaman sebanyak RM200,000.
Terbuka kepada kakitangan kerajaan berjawatan tetap.
Kelayakan untuk CCRIS dan CTOS.
Contact Koperasi AID
Koperasi AID, 9A, Jalan 20/14, Paramount Garden 46300, Petaling Jaya, Selangor Darul Ehsan
Tel: 03-78758880
Koperasi AID: Ringkasan
Tajuk Artikel: Koperasi AID
Kategori: #PinjamanPeribadi #Koperasi #AID
Tujuan: #MaklumatAm
Sumber:Maklumat Agen official website
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Don’t miss out on the chance to cultivate your financial growth with Agrobank Malaysia’s best personal loan. Apply now and access tailored financing solutions designed to nurture your financial well-being. Whether it’s for agricultural ventures or personal needs, seize the opportunity to grow your finances with Agrobank Malaysia today!
History
Establishment and Transformation
Established in 1969, Agrobank has played a vital role in the development of Malaysia’s agriculture sector. Since July 1, 2015, it has become a fully-fledged Islamic bank, offering Shariah-compliant products and solutions to various customer segments including corporate, commercial, consumer, trade finance, and micro-financing.
Development and Commercial Roles
As a Market-Driven, Customer-Centric Development Financial Institution (DFI), Agrobank focuses primarily on strengthening the agriculture sector in Malaysia. It strikes an equal balance between developmental and commercial roles to benefit the agriculture sector.
Comprehensive Financing Solutions
From Upstream to Downstream
Agrobank provides a wide range of financing solutions for the agriculture community, covering 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 enhance the well-being of the agriculture community.
Customer Service Network
This is achieved through its network of 192 customer touchpoints including 138 branches, 1 agro banking, 1 virtual banking, 10 commercial financing centers, 34 kiosks, 8 agro corners, and agro points. In 2019, Agrobank celebrates its Golden Jubilee Anniversary, marking 50 years of its proud establishment in developing the agro industry.
VBI Initiative: Shaping a Sustainable Future
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 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 serves as a financing solution for Government Servants, Private Sector Employees, and Stable Income Earners seeking to acquire agricultural land. This facility facilitates the purchase of land directly from vendors, through public auctions, or from land auctioned by Bank Pertanian Malaysia Berhad. Agrobank considers financing only if the land possesses an individual title, has been sub-divided, or is awaiting the issuance of an individual title.
Ar-Rahnu
Ar-Rahnu offers a short-term Islamic Pawnbroking Facility, enabling customers to access instant cash by leveraging gold items as collateral. This flexible solution provides individuals with a quick and convenient method to secure financing while retaining ownership of their valuable assets.
AgroCash-i
AgroCash-i is a personal financing facility designed to meet consumer financing needs primarily related to agriculture and agro-based activities. Utilizing Tawarruq transactions, this product empowers customers to access funds for various purposes, enhancing their financial flexibility and supporting their agricultural endeavors.
Personal Loan for Government Staff
Accessible Financing for Government Employees
Discover Agrobank’s tailored personal loan solution designed to meet the diverse financial needs of government staff. With competitive interest rates, eligible applicants aged between 18 to 60, or up to retirement age, can benefit. Whether confirmed or under probation, applicants must have a minimum gross salary of RM1,000 per month. Enjoy flexible financing options of up to RM200,000, with a maximum tenure of 10 years, ensuring financial empowerment and security. Consider opting for Skim Takaful Kredit for additional peace of mind.
GLC Staff Personal Loan
At Agrobank, we recognize the significance of financial empowerment for GLC (Government-Linked Company) staff. Our GLC Staff Personal Loan BR + 3.67% /p.a offers a tailored solution to address your financial needs with ease and convenience.
Eligibility Criteria
Details
Age Requirement
Applicants must be between 21 to 60 years old or up to retirement age, whichever comes earlier.
Employment Status
Permanent staff members of GLCs with at least one year of confirmed service.
Minimum Gross Salary
RM2,000 gross salary per month.
Optional Takaful Coverage
Customers are encouraged to take Skim Takaful Kredit for added protection and peace of mind.
Loan Details
Terms
Financing Amount
Eligible applicants can access financing of up to RM200,000.
Financing Tenure
Flexible repayment options with a financing tenure of up to 10 years.
Apply Today
Take the first step towards realizing your financial aspirations with Agrobank. Our streamlined application process ensures quick approval, enabling you to access the funds you need without delay. Contact us today to learn more about our competitive interest rates, flexible repayment terms, and personalized financial solutions tailored to meet your needs.
AgroBank Cash-i Facility
Looking for the perfect personal loan solution? Look no further than AgroBank Cash-i personal loan. Tailored for Government Employees and GLC staff, this Shariah-compliant financing option offers a generous financing limit of up to RM200,000. Whether you’re consolidating debts or funding a home renovation project, AgroBank has you covered. Apply now and take control of your financial future!
AgroBank Cash-i facility caters to consumer financing needs, particularly in agriculture and agro-based activities. Utilizing Tawarruq transactions, AgroBank Cash-i Personal Loan ensures efficient implementation, providing customers with access to funds for various agricultural ventures and related expenses. This Shariah-compliant financing solution aligns with the principles of Islamic banking, offering customers a reliable and ethical means to support their agricultural endeavors and contribute to the growth of the agricultural sector.
Eligibility Criteria
Government Employees
GLC Staff
Age Requirement
18 to 60 or up to retirement age, whichever is earlier
21 to 60 or up to retirement age, whichever is earlier
Eligibility
Permanent and have served for at least 6 months (confirmed or under probation)
Permanent staff and have been confirmed with at least one year of service
Minimum Salary Requirement
RM1,000 gross salary per month
RM2,000 gross salary per month
Takaful Coverage
Customers are encouraged to take Skim Takaful Kredit for added protection and security
Agrobank Cash-i
AgroBank Cash-i personal loan is a Shariah-compliant financing facility that caters to consumer financing needs, particularly in agriculture and agro-based activities. Utilizing Tawarruq transactions, AgroBank Cash-i Personal Loan ensures efficient implementation, providing customers with access to funds for various agricultural ventures and related expenses. This Shariah-compliant financing solution aligns with the principles of Islamic banking, offering customers a reliable and ethical means to support their agricultural endeavors and contribute to the growth of the agricultural sector.
Eligibility Criteria
Government Employees
GLC Staff
Age Requirement
18 to 60 or up to retirement age
21 to 60 or up to retirement age
Eligibility
Permanent and have served for at least 6 months (confirmed or under probation)
Permanent staff and has been confirmed with at least one year of service
Min. Salary Requirement
RM1,000 gross salary per month
RM2,000 gross salary per month
Takaful Coverage
Customer is encouraged to take Skim Takaful Kredit
Financing Options and Payment Periods
AgroBank Cash-i personal loan offers various financing options and flexible payment periods tailored to meet the diverse financial needs of customers:
Financing Quantum: Ranging from a minimum of RM10,000 to a maximum of RM200,000, providing customers with access to substantial funds.
Payment Period: Extending up to 10 years (120 months) or until the borrower reaches retirement age, whichever comes earlier, offering flexibility in repayment.
Profit Rates and Additional Features
Profit Rates: Subject to eligibility and current market conditions, with rates ranging from BR + 2.85% p.a to BR + 3.67% p.a for eligible applicants. Customers with unsatisfactory credit assessments may incur higher profit rates.
Ceiling Profit Rate (CPR) and Effective Profit Rate (EPR): Capped at BR + 7.15% p.a or 10% p.a, ensuring transparency and adherence to Shariah principles.
By understanding the eligibility criteria, financing options, and profit rates associated with AgroBank Cash-i personal loan, customers can make informed decisions and access the financial support they need for their agricultural endeavors.
Fees and Charges
Stamp Duty
Stamp Duty is levied in accordance with the Stamp Act 1949 (Revised 1989). This statutory requirement ensures compliance with legal obligations and regulations pertaining to financial transactions.
Advanced Installment
AgroBank offers the option for advance payment of installments, providing customers with the opportunity to settle three (3) months’ worth of installments in advance. These advanced payments serve as a buffer against default, contributing to the smooth management of the financing arrangement.
The amount equivalent to three (3) month installments is deducted from the financing amount.
Advance installments are deducted before the financing is matured or settled, enhancing financial planning and management.
Brokerage Fee
A brokerage fee of RM 30 per transaction is applicable, subject to Service Tax at a rate of 6% if applicable. This fee covers administrative costs associated with facilitating transactions and ensuring efficient service delivery to customers.
Note: AgroBank is committed to transparency and customer satisfaction. Any changes to fees and charges will be communicated to customers at least 21 days before the effective date, ensuring clarity and informed decision-making.
Contact Agrobank
Agrobank Malaysia My office Leboh Pasar Besar, City Centre, 50050 Kuala Lumpur
Find answers to common questions in our FAQ section. Whether you need help, guidance, or quick tips, we’ve got the information you need! Browse our expert responses and get the solutions you’re looking for—fast and easy.
What types of financing solutions does Agrobank offer for the agriculture community?
Agrobank provides a comprehensive range of financing solutions tailored to the needs of the agriculture community. These solutions cover a wide spectrum, from upstream activities related to primary food and commodities-based agriculture, to downstream activities such as processing, marketing, and distribution of agricultural products. Additionally, Agrobank also offers retail banking financing solutions aimed at enhancing the overall well-being of the agriculture community.
Agrobank: Summary
Article Title: Agrobank
Category: #Bank #PersonalLoan #AgroBank
Purpose: #GeneralInformation
Source:Agrobank official website
Bank Personal Loans
Looking for the best bank personal loans? Explore our offers with competitive interest rates, an easy application process, and fast approval. Click below to view your options and find the loan that suits your financial needs!
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Discover the key to financial empowerment with Aeon Credit Service best personal loan solutions. Tailored to meet your diverse needs, our flexible financing options provide you with the support you need to realize your dreams. Experience hassle-free application processes, competitive interest rates, and swift approvals. Take the first step towards your financial goals today with Aeon Credit Service.
Aeon Credit Service: Premier Financial Solutions in Malaysia: Your Go-To for Financial Services
Aeon Credit Service stands out as the leading provider of premier financial solutions in Malaysia. Offering a wide array of services including personal finance, easy payment options, motorcycle financing, credit card applications, and more, Aeon caters to diverse financial needs. With the convenience of cash deposit machines (CDM) nationwide, borrowers can easily make their monthly installments. Boasting competitive profit rates and swift processing, Aeon is the preferred choice for government employees, private individuals, and self-employed individuals seeking personal loan schemes. Explore eligibility criteria, financing limits, and application processes to unlock your financial potential with Aeon Credit Service.
Dedicated Services for Government Employees
Please note that our website is exclusively dedicated to government employees. Private sector workers, soldiers, traders, and government retirees seeking personal loans should refrain from contacting the mobile phone number provided on any pages of this website, as the hotline is reserved for government employees only. For private sector workers and others interested in personal loan financing, please refer to Aeon Credit Service’s dedicated page for the private sector. Your understanding and cooperation are greatly appreciated.
Aeon Credit Personal Loan Installment Repayment Table
Note: Actual financed amounts may vary from the tables provided. Profit Rate (Flat Rate): 0.66% per month = 7.92% per year Effective Rate: 13.57% – 14.31% per year
Profit Rate (Flat Rate): 1.50% per month = 18% per year Effective Rate: 27.46% – 31.72% per year
Aeon Credit Personal Loan: Hassle-Free Financing Solutions
Flexible Repayment Tenure
Enjoy the convenience of choosing your repayment tenure with Aeon Credit Personal Loan, offering flexible options of 6, 9, 12, 15, 18, 24, 30, 36, 48, 60, 72, and 84 months. Tailor your repayment schedule to suit your financial preferences and ease your repayment burden.
Easy Application Process
With Aeon Credit’s personal loan, applying for financing is a breeze. Simply gather your relevant documents and prepare for a straightforward application process. Say goodbye to lengthy paperwork and enjoy the simplicity of obtaining financial assistance.
Hassle-Free Financing
Benefit from hassle-free financing with Aeon Credit’s personal loan. Say goodbye to the complexities of requiring a guarantor, collateral, or security deposit. Experience peace of mind as you access the funds you need without unnecessary obstacles or requirements.
Contact Aeon Credit Service
Menara Olympia 8, Jalan Raja Chulan, Bukit Kewangan, 50250 Kuala Lumpur
Call Center: +603 2719 9999
CardBiz Payment Services Sdn Bhd: +603-7890 3000 (24 hours)
Revenue Harvest Sdn Bhd: +603-9212 0500 (24 hours)
Ingenico Solutions (Malaysia) Sdn Bhd: +603-7610 2111 (24 hours)
Fass Payment Solutions Sdn Bhd: +603-9212 7900 (24 hours)
mPASS Mobility Sdn Bhd: +603-7890 3003 (24 hours)
Pine Payment Solutions Sdn Bhd: +6012-506 7883 (24 hours)
E-Mail: customer.service@aeoncredit.com.my
Aeon Credit: Summary
Article Title: Aeon Credit
Category: #Private
Purpose: #GeneralInformation
Why you should choose Aeon Credit Service is your preferred for personal financing?
There are number of reasons why you should apply a personal loan with the best credit service company such as Aeon.
Fast Approval: You can even get your cash on a Sunday.
High Financing Amount: Finance up to RM100,000.
Attractive Rates: As low as 0.66% p.m.*
Pinjaman Swasta
Dapatkan Pinjaman Swasta dengan kelulusan pantas, faedah kompetitif, dan syarat fleksibel! Pilihan terbaik untuk individu yang memerlukan pembiayaan segera tanpa proses rumit. Ketahui bagaimana anda boleh menikmati pembiayaan peribadi dengan mudah dan selamat!
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