Yayasan Ihsan Rakyat (YIR)

Discover the ultimate solution to your financial needs with Yayasan Ihsan Rakyat (YIR) personal loans. Designed specifically for civil servants, our loans cater to individuals with CCRIS or CTOS listings, offering a seamless application process. Reach out via Call/SMS/WhatsApp at 0192983056 to take the first step towards financial empowerment.

Pinjaman Peribadi Yayasan Ihsan Rakyat YIR

Summary of Personal Loans from Yayasan Ihsan Rakyat (YIR

  • Name: Yayasan Ihsan Rakyat
  • Abbreviation / Code Name: YIR
  • Promotion Name: General info about personal loans YIR

About Personal Loans from Yayasan Ihsan Rakyat (YIR)

Yayasan Ihsan Rakyat (YIR) is renowned for offering top-notch personal loans exclusively to federal government employees under the Accountant General’s Department (AG) and members of the Royal Malaysia Police (PDRM). Unlike traditional methods facilitated through the Biro Angkasa agency, YIR’s personal financing operates uniquely via payroll deductions arranged directly with the employer (PGM), utilizing distinct code snippets embedded within the employee’s payslip. This streamlined process ensures a hassle-free experience for borrowers, with loan repayments seamlessly deducted from their monthly salaries.

One of the key attractions of YIR’s personal loans is the swift approval process. Upon successful application, borrowers can expect to see the “Yayasan Ihsan Rakyat YIR” deduction reflected in their payslips as early as the following month. This efficient turnaround time allows borrowers to access the funds they need promptly, addressing their financial needs without unnecessary delays.

It’s essential to note that YIR’s personal financing services are exclusively available to permanent civil servants and police personnel. Unfortunately, employees of state governments, universities (including university hospitals), as well as District Councils and Municipal Government-Linked Companies (GLCs), are not eligible for these offerings. This limitation arises from the absence of the necessary deduction code snippets within the payroll systems of these entities, which are crucial for facilitating the loan repayment process.

While YIR’s personal loans may not cater to all government employees, their commitment to providing tailored financial solutions to federal government staff and police personnel underscores their dedication to supporting this particular segment of the workforce. By focusing on these specific groups, Yayasan Ihsan Rakyat ensures that eligible borrowers can access personalized financing options designed to meet their unique needs, all while enjoying the convenience of seamless payroll deductions.

Personal Loans Yayasan Ihsan Rakyat (YIR): Interest Rate 6.88%.

Yayasan Ihsan Rakyat YIR Personal Loan

The personal loan offered by Yayasan Ihsan Rakyat (YIR) comes with several conditions and criteria for application:

  1. Interest rate of 6.88%.
  2. Payout of 80% minus 1 month advance.
  3. Applicants must be aged 26 years and above; those below this age are not eligible.
  4. Only available to individuals in permanent positions.
  5. Express approval within 5-10 working days.
  6. Maximum financing of RM150,000.
  7. Payslips must not be cut through ANGKASA deduction.
  8. Minimum one-year employment tenure required.
  9. Minimum monthly income of RM2,000; lower incomes may apply for Petronesa loan with an interest rate increase to 7.88%.
  10. Applicants with high commitments are eligible, but not exceeding RM15,000 CTOS blacklist. Commitments exceeding RM15,000 will incur a 10% per annum interest rate.
  11. Only AG payslips from the federal government are accepted; other agencies are not eligible.
  12. Loans are not processed through ANGKASA agency; YIR has its own code snippets.
  13. Loan tenure for all applications with Yayasan Ihsan has been capped at 10 years since July 2013, as per Bank Negara Malaysia’s directives.

The latest criteria state that applicants with very high commitments and blacklists will face an increased interest rate of 10% per annum, with the payout reduced to 65%. Those without high blacklist records and commitments are advised to apply for a personal loan with Petronesa, offering a flat interest rate of 7.99% and 80% payout nett.

For loan applicants with high commitments and blacklists, Yayasan Ihsan Rakyat YIR’s interest rate rises to 10% per annum, with a reduced payout of 65%. Those without such records are advised to apply for a personal loan with Petronesa, offering a flat interest rate of 7.99% and 80% payout nett. More information on Petronesa can be found by clicking here.

Frequently Asked Questions (FAQ) about Yayasan Ihsan Rakyat (YIR)

Curious about Yayasan Ihsan Rakyat (YIR)? Explore our FAQ section for answers to common questions. Find out more about our services, policies, and how we can meet your needs. Dive into our FAQ to discover everything you need to know before getting started. Start exploring now!

Yayasan Ihsan Rakyat personal loans are highly popular among Malaysian civil servants for several reasons. One of the main factors is the quick approval process, typically within 3 days, provided that all required documents are in order. Additionally, these loans are accessible to individuals regardless of their blacklist status with banks, making them attractive to a wide range of applicants.

Personal Loans Yayasan Ihsan Rakyat YIR Interest Rate 7.88%

Yayasan Ihsan Rakyat or YIR offers a personal loan with a 7.88% interest rate exclusively to civil servants under the AG (Federal Government) and members of the Royal Malaysian Police (PDRM) earning less than RM2,000 per month. Applicants must also ensure a net salary of not less than Rm900 after the new loan is made.

Applicants should be aged 26 years and above; those approaching eligibility within a few months are ineligible to apply. The interest rate stands at 7.88% per annum, with a payout rate of 80% minus two months advance. Additionally, a fee of RM20 will be charged, and applicants with a CTOS record exceeding Rm15k will face rejection. This loan is applicable only to individuals earning salaries of RM2,000 or less.

Furthermore, effective from July 2013, the loan tenure for all Yayasan Ihsan Rakyat applications has been reduced to 10 years in accordance with directives from Bank Negara Malaysia. For further details, please refer to the repayment table provided on the payment schedule for Yayasan Ihsan’s 7.88% personal loan.

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Yayasan Ihsan Rakyat (YIR) Reviews

Customer Reviews about Yayasan Ihsan Rakyat (YIR)

Yayasan Ihsan Rakyat (YIR) is undeniably the go-to choice for civil servants seeking personal loans. Their efficient and reliable service is commendable. The cooperative agents provide swift and top-notch assistance, ensuring a hassle-free application process. With their expertise, they offer various financing options from both banks and cooperatives, along with precise calculations tailored to your needs.

The standout feature of YIR is its openness to applicants with a CCRIS or CTOS blacklist. This inclusivity encourages individuals facing financial challenges to apply for the much-needed assistance. By reaching out via call, SMS, or WhatsApp at 0192983056, you can swiftly initiate the process and access the support you require.

Once you've made up your mind, contacting them directly is the way to go. Their prompt response and personalized guidance will streamline your journey towards securing the ideal financing solution. Whether you've already decided or are still exploring your options, reaching out to our financial advisor ensures that you're well taken care of every step of the way.

In conclusion, Yayasan Ihsan Rakyat stands out as the premier choice for civil servants in need of personal loans. Their commitment to providing excellent service, coupled with their willingness to assist individuals with financial difficulties, makes them a trusted partner in navigating the complexities of personal finance. Contact them today to experience the difference firsthand.

Mohd Azwan


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