{"id":70451,"date":"2026-05-28T14:19:52","date_gmt":"2026-05-28T06:19:52","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=70451"},"modified":"2026-05-28T14:19:52","modified_gmt":"2026-05-28T06:19:52","slug":"cbp-personal-financing-al-yasser-vs-lestari","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/cbp-personal-financing-al-yasser-vs-lestari","title":{"rendered":"CBP Personal Financing-i: Al Yasser vs Lestari Compared for Malaysian Civil Servants"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Co-opbank Pertama (CBP) offers two Shariah-compliant personal financing products for Malaysian civil servants, Al Yasser and Lestari. Both use the Tawarruq contract, both allow ANGKASA salary deduction repayment, and both apply ibra&#8217; on early settlement. The key differences are in financing ceiling, target audience (Lestari has a private sector variant), and approval profile. Getting the match right before applying matters more than comparing headline rates.<\/span><\/p>\n<p><b><div class=\"block\"><div>Quick Answer: Al Yasser or Lestari?<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Need up to RM400,000, are a civil servant (kakitangan awam) \u2192 Al Yasser<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Civil servant needing larger financing (Awam up to RM400,000) \u2192 Lestari Awam<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Private sector employee needing up to RM200,000 \u2192 Lestari Swasta<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Both products are Shariah-compliant (Tawarruq). Repayment via ANGKASA or BPA\/PGM. Subject to CBP&#8217;s credit assessment and current PDS.<\/div><\/div><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before applying, run a <\/span><a href=\"https:\/\/www.imoney.my\/imoney-pre-screening\"><span style=\"font-weight: 400;\">free iMoney Pre-Screening check<\/span><\/a><span style=\"font-weight: 400;\"> to compare CBP with BSN, MBSB, OSK Syariah Capital, and other civil servant financing options, without affecting your CCRIS record.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-Is-Co-opbank-Pertama-CBP-and-How-Is-It-Regulated\"><\/span><b>What Is Co-opbank Pertama (CBP) and How Is It Regulated?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Co-opbank Pertama is a Malaysian cooperative bank primarily serving civil servants and the broader public sector market. As a cooperative financial institution, it operates under a different regulatory framework from commercial banks, it is regulated under the Co-operative Societies Act 1993 and supervised by the Suruhanjaya Koperasi Malaysia (SKM), not directly by Bank Negara Malaysia as a licensed bank. Its financing products are Shariah-compliant and structured under the Tawarruq contract.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This regulatory distinction matters: the Product Disclosure Sheet, dispute resolution process, and applicable consumer protections differ from BNM-regulated bank products. Read the financing agreement carefully before signing. You can verify CBP&#8217;s cooperative status via <\/span><a href=\"https:\/\/www.skm.gov.my\"><span style=\"font-weight: 400;\">Suruhanjaya Koperasi Malaysia (SKM)<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-Do-CBP-Al-Yasser-and-Lestari-Compare\"><\/span><b>How Do CBP Al Yasser and Lestari Compare?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The table below summarises the key differences:<\/span><\/p>\n\n<table id=\"tablepress-2102\" class=\"tablepress tablepress-id-2102\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Feature<\/strong><\/th><th class=\"column-2\"><strong>Al Yasser<\/strong><\/th><th class=\"column-3\"><strong>Lestari (Awam \/ Swasta)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Shariah contract<\/td><td class=\"column-2\">Tawarruq<\/td><td class=\"column-3\">Tawarruq<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Max financing<\/td><td class=\"column-2\">Up to RM400,000<\/td><td class=\"column-3\">Awam: up to RM400,000 \/ Swasta: up to RM200,000<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Profit rate<\/td><td class=\"column-2\">From ~2.8% p.a.<\/td><td class=\"column-3\">Subject to sector &amp; repayment method (Typically from ~3.45%p.a.)<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Min income<\/td><td class=\"column-2\">From RM1,500\/month<\/td><td class=\"column-3\">Awam: from RM1,500\/month \/ Swasta: from RM3,000\/month (indicative)<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Target audience<\/td><td class=\"column-2\">Civil servants (kakitangan awam)<\/td><td class=\"column-3\">Awam: civil servants \/ Swasta: private sector employees<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Repayment method<\/td><td class=\"column-2\">ANGKASA, BPA, PGM, AutoDebit<\/td><td class=\"column-3\">ANGKASA, BPA, PGM, AutoDebit<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Ibra' on early settlement<\/td><td class=\"column-2\">Yes<\/td><td class=\"column-3\">Yes<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">Approval time<\/td><td class=\"column-2\">~3 working days<\/td><td class=\"column-3\">3-5 working days (indicative)<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">Collateral required<\/td><td class=\"column-2\">None<\/td><td class=\"column-3\">None<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2102 from cache -->\n<h3><b>What Are the Profit Rates by Sector and Repayment Method?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Profit rates vary by product, sector (Awam vs Swasta), and repayment method.<\/span><\/p>\n\n<table id=\"tablepress-2103\" class=\"tablepress tablepress-id-2103\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Product<\/strong><\/th><th class=\"column-2\"><strong>Sector<\/strong><\/th><th class=\"column-3\"><strong>Repayment Method<\/strong><\/th><th class=\"column-4\"><strong>Indicative Profit Rate p.a.<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Al Yasser<\/td><td class=\"column-2\">Civil servants (Awam)<\/td><td class=\"column-3\">ANGKASA \/ BPA \/ PGM<\/td><td class=\"column-4\">From ~2.8% p.a.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Lestari Awam<\/td><td class=\"column-2\">Civil servants (Awam)<\/td><td class=\"column-3\">ANGKASA \/ BPA \/ PGM<\/td><td class=\"column-4\">From ~3.45%p.a.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Lestari Swasta<\/td><td class=\"column-2\">Private sector (Swasta)<\/td><td class=\"column-3\">AutoDebit \/ standing instruction<\/td><td class=\"column-4\">From ~3.45%p.a.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2103 from cache -->\n<h2><span class=\"ez-toc-section\" id=\"1-What-Is-CBP-Personal-Financing-i-Al-Yasser\"><\/span><b>1. What Is CBP Personal Financing-i Al Yasser?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Al Yasser is CBP&#8217;s civil servant-focused Islamic personal financing product, offering financing of up to RM400,000 under a Tawarruq contract with profit rates from ~2.8% p.a. Repayment is via ANGKASA or BPA\/PGM salary deduction, with approval in approximately 3 working days.<\/span><\/p>\n<h3><b>Who should apply for Al Yasser?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Al Yasser is best suited for confirmed civil servants who need financing up to RM400,000, have a stable service record, and want relatively fast approval. The minimum income threshold starts from RM1,500\/month, one of the lower barriers among Islamic personal financing products, making it accessible to junior civil servants and support-grade staff.<\/span><\/p>\n<h3><b>What can Al Yasser be used for?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Working capital and household cash flow<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Education or medical expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit card or small debt consolidation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Family emergencies<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2-What-Is-CBP-Personal-Financing-i-Lestari\"><\/span><b>2. What Is CBP Personal Financing-i Lestari?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Lestari is CBP&#8217;s higher-ceiling Islamic personal financing product, available in two variants: Lestari Awam (for civil servants, up to RM400,000) and Lestari Swasta (for private sector employees, up to RM200,000). Both are Shariah-compliant under Tawarruq with ibra&#8217; on early settlement.<\/span><\/p>\n<h3><b>What is the difference between Lestari Awam and Lestari Swasta?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Awam and Swasta differ in target audience, maximum financing ceiling, minimum income threshold, and repayment method. The table below breaks this down:<\/span><\/p>\n\n<table id=\"tablepress-2104\" class=\"tablepress tablepress-id-2104\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Feature<\/strong><\/th><th class=\"column-2\"><strong>Lestari Awam<\/strong><\/th><th class=\"column-3\"><strong>Lestari Swasta<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Who is it for?<\/td><td class=\"column-2\">Confirmed civil servants (federal, state, statutory)<\/td><td class=\"column-3\">Private sector salaried employees<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Max financing<\/td><td class=\"column-2\">Up to RM400,000<\/td><td class=\"column-3\">Up to RM200,000<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Min income<\/td><td class=\"column-2\">From RM1,500\/month (indicative)<\/td><td class=\"column-3\">From RM3,000\/month (indicative)<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Repayment<\/td><td class=\"column-2\">ANGKASA \/ BPA \/ PGM salary deduction<\/td><td class=\"column-3\">AutoDebit \/ standing instruction<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Profit rate<\/td><td class=\"column-2\">~3.45% p.a. to ~4.29% p.a.<\/td><td class=\"column-3\">~3.45% p.a. to ~5.00% p.a.<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Approval<\/td><td class=\"column-2\">Subject to CBP assessment (Typically 3 working days)<\/td><td class=\"column-3\">Subject to CBP assessment (Typically 3 working days but more stringent)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2104 from cache -->\n<p><span style=\"font-weight: 400;\">The key practical difference: Lestari Awam benefits from salary deduction repayment (ANGKASA\/BPA\/PGM), which reduces repayment risk and can support a higher approved amount. Lestari Swasta relies on AutoDebit, which carries slightly higher repayment risk in CBP&#8217;s assessment, typically reflected in a higher profit rate.<\/span><\/p>\n<h3><b>What can Lestari be used for?<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Consolidating multiple larger debts (credit cards, personal loans, instalments)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Larger family plans: renovation, wedding, education fund<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical or long-term care expenses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Financial restructuring<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How-Does-Repayment-Work-ANGKASA-BPA-and-PGM-Explained\"><\/span><b>How Does Repayment Work: ANGKASA, BPA, and PGM Explained?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Both Al Yasser and Lestari Awam offer salary deduction repayment, the main advantage for civil servant borrowers. Here&#8217;s how the three deduction mechanisms differ:<\/span><\/p>\n\n<table id=\"tablepress-2105\" class=\"tablepress tablepress-id-2105\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Method<\/strong><\/th><th class=\"column-2\"><strong>How It Works<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">ANGKASA<\/td><td class=\"column-2\">Deducted from gross salary via Angkatan Koperasi Kebangsaan Malaysia Berhad before you receive it - standard for most civil servant co-op financing<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">BPA (Biro Perkhidmatan Angkasa)<\/td><td class=\"column-2\">Direct deduction via BPA for government employees - similar to ANGKASA but administered differently<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">PGM (Potongan Gaji Majikan)<\/td><td class=\"column-2\">Employer-managed payroll deduction - applicable for certain employer categories<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">AutoDebit<\/td><td class=\"column-2\">Bank account auto-debit on monthly due date - standard for Lestari Swasta (private sector)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2105 from cache -->\n<p><span style=\"font-weight: 400;\">The ANGKASA deduction limit is governed by ANGKASA&#8217;s own net salary retention rules, typically, total deductions cannot exceed a set percentage of gross salary, leaving a minimum net amount. If your deductions are already near the limit, a new ANGKASA-deducted financing may be capped or declined.<\/span><\/p>\n<h3><b>What happens to my ANGKASA deduction if I resign from government service?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If you leave civil service, your ANGKASA deduction arrangement ends immediately. You must notify CBP and arrange alternative repayment \u2014 typically AutoDebit or standing instruction. Failure to do so can result in late payment charges and a negative CCRIS record. This is a material risk for civil servants considering a career change during their financing tenure.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What-Is-the-Tawarruq-Contract-and-How-Does-Ibra-Work\"><\/span><b>What Is the Tawarruq Contract and How Does Ibra&#8217; Work?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Both Al Yasser and Lestari are structured under Tawarruq (commodity murabahah), a Shariah-compliant financing contract where the bank purchases a commodity on your behalf and sells it to you at a marked-up price on a deferred payment basis, with the profit fixed upfront. The profit rate on CBP&#8217;s products is fixed throughout the tenure, meaning your monthly instalment does not change regardless of movements in Bank Negara Malaysia&#8217;s Standardised Base Rate (SBR).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ibra&#8217; is a rebate on unearned profit if you settle the financing early, you only pay profit for the period you actually used. Under Bank Negara Malaysia&#8217;s Islamic financial services guidelines, Islamic financing providers must disclose ibra&#8217; terms clearly in the Product Disclosure Sheet. This is a meaningful cost advantage over conventional loans, where break costs may apply on early settlement. For more detail, see <\/span><a href=\"https:\/\/www.bnm.gov.my\/islamic-finance\"><span style=\"font-weight: 400;\">Bank Negara Malaysia&#8217;s Islamic Finance overview<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How-Does-DSR-Affect-Your-CBP-Financing-Approval\"><\/span><b>How Does DSR Affect Your CBP Financing Approval?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">DSR (Debt Service Ratio) is the percentage of your gross monthly income already committed to debt repayments. Most lenders, including cooperative banks, apply a ceiling of around 60%-70%. Even if your gross salary qualifies, high existing ANGKASA deductions can significantly reduce the approved amount. Check your existing commitments via <\/span><a href=\"https:\/\/eccris.bnm.gov.my\"><span style=\"font-weight: 400;\">Bank Negara Malaysia&#8217;s eCCRIS portal<\/span><\/a><span style=\"font-weight: 400;\"> before applying.<\/span><\/p>\n<h3><b>DSR calculation example<\/b><\/h3>\n\n<table id=\"tablepress-2106\" class=\"tablepress tablepress-id-2106\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>DSR Component<\/strong><\/th><th class=\"column-2\"><strong>Amount<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Gross monthly salary<\/td><td class=\"column-2\">RM4,500<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Existing ANGKASA deductions<\/td><td class=\"column-2\">RM700\/month<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Car loan instalment<\/td><td class=\"column-2\">RM500\/month<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Proposed CBP instalment<\/td><td class=\"column-2\">~RM900\/month<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Total monthly commitments<\/td><td class=\"column-2\">RM2,100<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">DSR<\/td><td class=\"column-2\">RM2,100 \u00f7 RM4,500 = 46.7% Within typical 60% ceiling<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2106 from cache -->\n<p><span style=\"font-weight: 400;\">In this example, the proposed financing keeps DSR at 46.7%, within the typical 60% ceiling. If existing ANGKASA deductions were higher (RM1,200\/month instead of RM700), DSR would rise to 57.8%, leaving very little room. Read more: <\/span><a href=\"https:\/\/www.imoney.my\/articles\/debt-service-ratio\"><span style=\"font-weight: 400;\">what is DSR and how does it affect personal loan approval in Malaysia?<\/span><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Which-CBP-Product-Should-You-Choose\"><\/span><b>Which CBP Product Should You Choose?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table id=\"tablepress-2107\" class=\"tablepress tablepress-id-2107\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Profile<\/strong><\/th><th class=\"column-2\"><strong>Recommended Product<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Civil servant, needs up to RM400,000, wants fast approval<\/td><td class=\"column-2\">Al Yasser<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Civil servant, needs larger structured financing<\/td><td class=\"column-2\">Lestari Awam<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Private sector employee, needs up to RM200,000<\/td><td class=\"column-2\">Lestari Swasta<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Low income civil servant (from RM1,500\/month)<\/td><td class=\"column-2\">Al Yasser or Lestari Awam <\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">High existing ANGKASA deductions<\/td><td class=\"column-2\">Assess net income and DSR before applying<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Wants early settlement flexibility<\/td><td class=\"column-2\">Both - ibra' applies to all Tawarruq products<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Clean CCRIS \/ CTOS record<\/td><td class=\"column-2\">Strengthens both applications<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">Severe overdue or legal action on CCRIS<\/td><td class=\"column-2\">Difficult to approve under either product<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2107 from cache -->\n<h2><span class=\"ez-toc-section\" id=\"What-Documents-Do-You-Need-to-Apply\"><\/span><b>What Documents Do You Need to Apply?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<table id=\"tablepress-2108\" class=\"tablepress tablepress-id-2108\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Document<\/strong><\/th><th class=\"column-2\"><strong>Purpose<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">MyKad (front and back)<\/td><td class=\"column-2\">Identity verification<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Latest 3 months' payslips<\/td><td class=\"column-2\">Proof of income and existing deductions<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Latest 3 months' bank statements<\/td><td class=\"column-2\">Confirm salary credit<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Latest ANGKASA deduction record<\/td><td class=\"column-2\">Review current deductions and net income<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Service confirmation letter<\/td><td class=\"column-2\">Confirm civil servant status and tenure<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">EPF statement<\/td><td class=\"column-2\">Supporting employment record<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">CCRIS \/ CTOS report<\/td><td class=\"column-2\">Credit assessment<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2108 from cache -->\n<h2><span class=\"ez-toc-section\" id=\"What-Should-You-Watch-Out-for-Before-Applying\"><\/span><b>What Should You Watch Out for Before Applying?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><b>1. CBP is a cooperative bank &#8211; not a BNM-regulated commercial bank<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">CBP operates under the Co-operative Societies Act 1993 and is regulated by SKM, not Bank Negara Malaysia. Consumer protection frameworks and dispute resolution processes differ from those of commercial banks. Read the financing agreement and PDS carefully.<\/span><\/p>\n<h3><b>2. Civil servant financing is assessed on net income, not gross<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">CBP reviews net salary after existing ANGKASA, BPA, or PGM deductions, not your gross pay grade. Multiple existing deductions can significantly cap your approved amount even on a good salary. Calculate your net take-home after all deductions before estimating borrowing capacity.<\/span><\/p>\n<h3><b>3. Don&#8217;t apply for Lestari if Al Yasser covers your need<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Lestari has a more stringent approval process given its higher financing ceiling. If you only need RM50,000-RM100,000, Al Yasser is the faster and more straightforward route. Applying for Lestari when Al Yasser would suffice risks a slower process and a harder-to-clear CCRIS enquiry.<\/span><\/p>\n<h3><b>4. Multiple applications affect your CCRIS record<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Every formal financing application leaves an enquiry on your <\/span><a href=\"https:\/\/www.imoney.my\/articles\/ccris-report\"><span style=\"font-weight: 400;\">CCRIS report<\/span><\/a><span style=\"font-weight: 400;\">. Multiple enquiries in a short period signal financial distress to other lenders. <a href=\"https:\/\/www.imoney.my\/imoney-pre-screening\">Use iMoney&#8217;s pre-screening tool before applying formally<\/a>.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why-Compare-CBP-Financing-on-iMoneymy\"><\/span><b>Why Compare CBP Financing on iMoney.my?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compare Al Yasser and Lestari side by side with BSN MyRinggit-i, MBSB, OSK Syariah Capital, and other civil servant financing options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check eligibility before submitting a formal application<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand which product fits your income, deductions, and DSR profile<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduce the risk of rejected applications leaving marks on your CCRIS record<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Compare all <\/span><a href=\"https:\/\/www.imoney.my\/personal-loan-islamic?src=menu_dropdown\"><span style=\"font-weight: 400;\">Islamic personal financing options for civil servants on iMoney<\/span><\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Al-Yasser-or-Lestari-Which-CBP-Product-Is-Right-for-You\"><\/span><b>Al Yasser or Lestari: Which CBP Product Is Right for You?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Both CBP Personal Financing-i Al Yasser and Lestari are Shariah-compliant, offer ibra&#8217; on early settlement, and support ANGKASA salary deduction for civil servants. Al Yasser is the faster, more accessible route for civil servants needing up to RM400,000 with straightforward income profiles. Lestari Awam serves civil servants needing larger structured financing, while Lestari Swasta extends the product to private sector employees at a lower financing ceiling.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before applying, calculate your net income after existing ANGKASA deductions, check your DSR, review your CCRIS record, and confirm the current rates and maximum amounts from CBP&#8217;s Product Disclosure Sheet, the most important figures in this article require editorial verification before publication.<\/span><\/p>\n<div class=\"block\"><div><\/p>\n<p><b>Not sure whether Al Yasser or Lestari fits you?<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Compare CBP products and other civil servant financing free on <\/span><a href=\"https:\/\/www.imoney.my\/imoney-pre-screening\"><span style=\"font-weight: 400;\">iMoney.my \u2192 Check My Eligibility<\/span><\/a><\/div><\/div>\n<p><em><span style=\"font-weight: 400;\">Disclaimer: Financing amount, profit rate, tenure, and approval conditions for CBP Al Yasser and Lestari are subject to Co-opbank Pertama&#8217;s final credit assessment and the relevant Product Disclosure Sheet. CBP is a cooperative bank regulated by Suruhanjaya Koperasi Malaysia (SKM). Terms and conditions apply.<\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Co-opbank Pertama (CBP) offers Malaysian civil servants two Shariah-compliant personal financing options, Al Yasser and Lestari. They target similar audiences but differ in financing ceiling, profit rate, and repayment structure. Here&#8217;s how to tell which one fits your situation.<\/p>\n","protected":false},"author":58,"featured_media":70469,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[347,9],"tags":[3374,3377,3379,3376,1170,304,208,997,3378,3375,667,1082],"class_list":["post-70451","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-islamic-finance","category-personal-loan","tag-al-yasser","tag-angkasa-loan","tag-cbp","tag-cbp-financing","tag-civil-servant","tag-feature","tag-featured","tag-islamic-financing","tag-kakitangan-awam","tag-lestari","tag-personal-loan","tag-shariah-compliant"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CBP Al Yasser vs Lestari: Islamic Financing for Civil Servants<\/title>\n<meta name=\"description\" content=\"Compare CBP Personal Financing-i Al Yasser and Lestari, two Shariah-compliant options for Malaysian civil servants. Max up to RM400,000, ANGKASA repayment, ibra&#039; on early settlement. Check eligibility free on iMoney.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/cbp-personal-financing-al-yasser-vs-lestari\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CBP Al Yasser vs Lestari: Islamic Financing for Civil Servants\" \/>\n<meta property=\"og:description\" content=\"Compare CBP Personal Financing-i Al Yasser and Lestari, two Shariah-compliant options for Malaysian civil servants. Max up to RM400,000, ANGKASA repayment, ibra&#039; on early settlement. 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