iMoney Portal
  • icon epf EPF
  • icon Learning Centre Learning Centre
  • icon User Reviews User Reviews
  • icon en flag English icon bm flag Bahasa Malaysia
  • Credit Card

    Find a Card

    • All Credit Cards
    • Credit Card SmartSearch
    • Top 10 Credit Cards
    • Debit Cards

    Browse Cards by Category

    • See All Categories
    • Best Cashback Credit Cards
    • Best Rewards Credit Cards
    • Best Petrol Credit Cards
    • Best Shopping Credit Cards
    • Best Travel Credit Cards
    • Best Dining Credit Cards
    • Islamic Credit Cards

    Most Popular Banks

    • Maybank Cards
    • HSBC Credit Cards
    • CIMB Credit Cards
    HSBC Credit Cards
  • Broadband

    Find Broadband

    • Broadband Coverage Check
    • Browse all Broadband plans
    • Search for a Broadband plan
    • Broadband Glossary

    Best Home Broadband Plans

    • TM Unifi Try Me 100Mbps
    • TIME Fibre 100Mbps Home Broadband
    • Maxis ONEHome 30Mbps

    Best Broadband Providers

    • TM Broadband Package
    • TIME Broadband Package
    • Maxis Broadband Package
    Broadband Smartsearch
  • Loans

    Personal Financing

    • All Personal Loans
    • Personal Loan SmartSearch
    • Islamic Personal Financing

    Business Financing

    • Business Loan

    Most popular personal loans

    • Alliance Bank CashFirst Personal Loan
    • RHB Easy Pinjaman Ekspres
    • HSBC Anytime Personal Financing-i

    Other loans

    • Car Loans

    Home loans

    • All Home Loans
    • Home Loan Refinancing
    • Islamic Home Loans
    Al Rajhi Bank Personal Financing-i
  • Savings & Investment

    Save

    • All Fixed Deposits
    • Islamic Fixed Deposits
    • Savings Accounts

    Invest

    • Online Investment
    • Unit Trust Investments
    • Private Retirement Scheme (PRS)
    • Gold Investment
    • Share Trading
  • Insurance
    • Life Insurance
    • All Medical Insurance Plans
    • Car Insurance
    • Personal Accident Insurance
    • Travel Insurance
  • Tools

    Calculators

    • Broadband Plan Comparison
    • 2022 Income Tax Calculator
    • Zakat Calculator
    • Home Loan Calculator

    SmartSearch Tools

    • Personal Loan SmartSearch
    • Credit Card SmartSearch
    • Broadband SmartSearch

    Others

    • Vouchers & Promotions
  • icon epf EPF
  • icon Learning Centre Learning Centre
  • icon User Reviews User Reviews
  • icon en flag English icon bm flag Bahasa Malaysia

You are now leaving iMoney website and entering a third-party website.

Any information you share on the third-party website will be subjected to the policies of such website, as our privacy policy will no longer apply.

On that note, we will not be liable for any breach of confidentiality or privacy policies with regard to the information you provide on the third-party website.

As this link is provided for your convenience only, our connecting you to the third party website also does not constitute an endorsement of the contents of this website.

Yes, please proceed!
KOPUTRI Cooperative Logo
  • Overview
  • Features
  • Eligibility
  • Fees and charges
  • Review
KOPUTRI Cooperative Logo

KOPUTRI Cooperative Personal Financing

KOPUTRI Cooperative Logo
  • Islamic Financing
  • Low Income
  • Government Servant
  • Profit Rate
    5.90% p.a.
  • Max. Financing Amount
    RM 100,000
  • Approval Duration
    6-8 Working Days

Calculate your financing repayment instantly

RM
Your amount should be between 1,000 and 100,000
year(s)
RM
Your salary should be between 1,800 and 200,000
You Pay
RM 89 /mth
Profit Rate
Total Profit Payable
RM 70
Total Repayment
RM 1,070

Key Features

Reasonable rates with high payout up to RM100,000

Reasonable rates with high payout up to RM100,000

Suited for those looking for bank products but ineligible

Suited for those looking for bank products but ineligible

Suited for those looking for bank products but ineligible

Rebates for early repayment

More details

  • icon Features Features

    Approval Duration
    6-8 Working Days
    Min. Financing Amount
    RM 1,000
    Max. Financing Amount
    RM 100,000

    Other features

    Profit Rate
    5.90%
    Min. Financing Tenure
    2 years
    Max. Financing Tenure
    10 years
    Debt Consolidation
    No
  • icon Eligibility/Documents Eligibility/Documents

    Employment Eligibility
    Permanent civil servant only
    Age Requirement
    21-54 years old or 1 year before retirement
    Min. Monthly Salary
    RM 1,800

    Other eligibility requirements

    NRIC
    Copy of IC (front and back) [verified by employer]
    Payslip
    Copy of latest 3 months payslips [verified by employer]
    Bank Statement
    Copy of latest 3 months bank statement [if not AG customers]
    Confirmation Letter
    Confirmation letter by employer
    Application Form
    A full set of application forms & agreements
    Angkasa Form (Blue Form) or Letter of authorization
    Angkasa Form (Blue Form) or Letter of authorization
  • icon Fees and charges Fees and charges

    Processing Fees
    Free

    Other fees and charges

    Late Payment Charges
    N/A
    Annual Fee
    N/A
Last updated: May 24, 2022

Prefer to talk to our customer care agents?

How do you apply for a personal financing online?

Step 1 Image

Step 1

Use our personal financing calculator to find the best personal financing based on your requirements and eligibility.

Step 2 Image

Step 2

Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button.

Step 3 Image

Step 3

Fill in a form with your details to be submitted for application, and a representative from iMoney or the bank will call you to process the application.

Read more about Islamic Personal Financing

More tips for you

Review by iMoney

KOPUTRI Cooperative Personal Financing is a personal financing facility that offers a financing amount of up to RM100,000. It is specifically for permanent government employees.

Best for: Debt consolidation or civil servants who are ineligible for financing products offered by banks.

Income requirements: Minimum RM1,500/month.

Pros:

  • Low income requirement (RM1,500 gross monthly income)
  • Rebates for early repayment
  • Repayment through ANGKASA

KOPUTRI Cooperative Personal Financing FAQ

An Islamic personal financing offered by KOPUTRI Cooperative Personal Financing.
  • Yes, as the KOPUTRI personal financing solution operates under the Tawarruq concept, which is a shariah-compliant method of financing.

  • RM100,000

  • 1 – 10 years.

  • The KOPUTRI cooperative personal financing is open for;

    • Public servants or employees of statutory bodies and Polis Diraja Malaysia (PDRM).
    • Aged between 21-54 years old
    • At least eight months of employment
    • A minimum monthly salary of RM1800
    • Existing salary deduction not more than 60%
    • Financing tenure of 12 to 120 months.
  • Once you have completed your application with iMoney, you are required to provide the following documents for your application:

    • Copy of NRIC (front and back)
    • 3 months (most current) salary slips
    • 3 months (most current) bank statements
    • Confirmation letter by employer
    • Angkasa Form (Blue Form) or Letter of authorisation to deduct salary
    • Application Form
  • The entire process takes between 1-2 weeks (2-4 days to get approval and up to 7-10 days to get the loan in the customer bank account).

    Your application will be sent to Direct Lending Sdn Bhd for processing.

    To speed up the process, you can complete the application through iMoney where our Call Centre Consultants will walk you through the eligibility checker, application form, and advise you on the required document submission.

  • A flat profit rate of 5.90% is fixed for the entire financing period.

  • As with any personal financing, you will have to make monthly repayment which comprises of principal amount and an interest rate.

    Use our personal loan calculator above to estimate your monthly repayment.

  • Processing fee: None

    Late penalty fee: None

    Note: There are no upfront charges or additional fees when you apply through iMoney. We will also not request any deposit payment from you.

  • Authorised salary deduction via ANGKASA

  • Outstanding payments like PTPTN loans, amounts owing under RM5,000 or overdue loans under 2 months duration are acceptable under certain conditions. You may also consider using this financing to clean up your CCRIS record.

    Check your iMoney CreditScore for free to find out how your credit health is.

  • KOBETA Cooperative Personal Financing

    Similarly exclusive for government employees, this personal financing package has the same income requirement of RM1,500/month.

    CBP Personal Financing-i Lestari

    Another personal financing facility for civil servants is CBP Personal Financing-i Lestari which provides a higher financing amount of RM200,000. Although the monthly income requirement is slightly higher at RM3,000, it comes with a lower profit rate of 2.75% - 2.85% p.a.