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!
MCCM Resources Logo
  • Overview
  • Features
  • Eligibility
  • Fees and charges
  • Review
MCCM Resources Logo

MCCM Resources Public Islamic Bank Personal Financing

MCCM Resources Logo
  • Islamic Financing
  • Low Income
  • Government Servant
  • Profit Rate
    3.99% p.a. ~ 4.45% p.a.
  • Max. Financing Amount
    RM 150,000
  • Approval Duration
    1-2 Weeks

Calculate your financing repayment instantly

RM
Your amount should be between 5,000 and 150,000
year(s)
RM
Your salary should be between 1,500 and 200,000
You Pay
RM 89 /mth
Profit Rate
Total Profit Payable
RM 70
Total Repayment
RM 1,070

Key Features

Low interest rates

Low interest rates

Fast turnaround time

Fast turnaround time

Fast turnaround time

Even semi-government employees from TNB and POS Malaysia can apply

More details

  • icon Features Features

    Approval Duration
    1-2 Weeks
    Min. Financing Amount
    RM 5,000
    Max. Financing Amount
    RM 150,000

    Other features

    Profit Rate
    Up to 3.99%
    Min. Financing Tenure
    2 years
    Max. Financing Tenure
    10 years
    Debt Consolidation
    No
  • icon Eligibility/Documents Eligibility/Documents

    Employment Eligibility
    Permanent government servant
    Age Requirement
    21-58 years old or 1 year before retirement
    Min. Monthly Salary
    RM 1,500

    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 authorisation to deduct salary
  • 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

This is a cooperative loan provided by Public Islamic Bank (a subsidiary of Public Bank) with salary deduction services provided by MCCM Resources Sdn Bhd. It is open to all civil servants, including those that have hits on their credit score (CCRIS) due to missed PTPTN or other loan payments.

Borrow up to RM150,000 with a tenure of up to 10 years. Also get interest rates as low as 4.9% on loans with a tenure of less than three years.

Unlike many other government cooperative loans, this is also available to employees of Telekom Malaysia and Pos Malaysia.

  • The maximum amount you can apply for with MCCM Resources Public Islamic Bank Personal Financing is RM150,000 and the maximum years of tenure you can apply for is 10 years.

  • MCCM Resources Public Islamic Bank Personal Financing is only open for permanent government/semi-government employees from 21-58 years old or one year before retirement, and with at least RM1500 monthly salary.

  • The interest rate depends on the tenure of your loan.4.90% (for 2- 3yrs tenure)4.95% (for 4-10yrs tenure)The payout for the loan is between 97% and 98% of the loan amount.

  • MCCM Resources Public Islamic Bank Personal Financing offers only one repayment method, which is automatic salary deduction.

  • If your CCRIS/CTOS/Credit score has taken a hit over the years due to missed PTPTN payments or other loan payments, you can still apply for this loan. As long as you are a government/semi government employee.