Review Koperasi Putri Terbilang Malaysia Berhad cooperative personal financing terms for eligible civil servants, with fixed profit rate of 5.90% p.a., payout up to 95%, and repayment through Biro Angkasa.
Available Amount
Up to RM 100,000
Best For
Civil servants
Journey
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About The Facility
KOPUTRI offers cooperative personal financing for government employees and public sector staff, with loan purposes that include debt consolidation, emergencies, and other personal needs.
Background
KOPUTRI was established in 2006 and registered under Subsection 7(1) of the Cooperative Act 1993. The facility is known for a competitive fixed profit rate and high payout for eligible civil servants in Malaysia.
Established
2006
KOPUTRI was established in 2006 for cooperative financing support.
Registration
Act 1993
Registered under Subsection 7(1) of the Cooperative Act 1993.
Audience
Public Sector
Designed for government employees, statutory bodies, and selected GLC staff.
Special Loan Features
The facility is unsecured, Shariah-concept cooperative financing with salary deduction repayment through Biro Angkasa.
Financing Amount
Maximum financing amount is subject to profile, income, commitments, and final approval.
Profit Rate
The reference facility uses a fixed profit rate of 5.90% per annum.
Financing Period
The financing period starts from 2 years and can go up to 10 years.
Repayment
Monthly repayment is made through automatic salary deduction processed by ANGKASA.
Processing
The reference processing timeline is around 6 to 8 working days, based on best effort.
Upfront Fees
No advance instalment payment is required before the financing proceeds.
Protection
The KOPUTRI reference terms state that the financing is covered by Takaful.
Concept
The facility follows a Shariah-concept cooperative personal financing structure.
Current Application Status
The reference page states that KOPUTRI is no longer accepting new applications at this time. You can still use these terms for comparison and apply for other suitable koperasi options.
Eligibility & Documents
These are the applicant requirements and documents highlighted for Koperasi KOPUTRI cooperative personal financing.
Payout, Fees & Repayment
Final payout and approved amount are determined by Koperasi KOPUTRI after assessment, according to the reference terms.
Cash in hand
The total payout or financing amount received can be as high as 95%, subject to KOPUTRI's assessment.
Membership Fee
The reference terms list RM 10 monthly membership fee and RM 30 contribution to the Members' Fund.
Members' Fund
The Members' Fund contribution is credited back after the loan is completed, according to the reference terms.
Takaful Protection
KOPUTRI personal financing includes Takaful protection.
Overlap Facility
Existing KOPUTRI personal financing can be overlapped, subject to approval and facility rules.
Early Settlement
Advance or early settlement is allowed, with rebate for early payment according to the terms.
Illustration
As an example from the reference terms, financing of RM 10,000 over 10 years at 5.90% p.a. would have total repayment of RM 15,900. The actual offer is subject to approval, terms, and conditions.
Our Promise
Applying can feel stressful, so the process stays clear, convenient, transparent, and free from upfront charges.
We focus on matching your financing need with suitable, reputable bank and koperasi options.
A consultant guides your application, document preparation, and follow-up from A to Z.
Rate, payout, processing time, fees, and important conditions are explained clearly before you proceed.
Our service is 100% free. No hidden charges or upfront processing fee is collected from you.
Share your employment profile, financing amount, income, and current commitment details.
Get your MyKad copy, certified salary slips, employment confirmation letter, and salary bank statement ready.
Because KOPUTRI is currently not accepting new applications, your consultant helps compare other suitable koperasi options.
After you choose a suitable route, your consultant assists with submission, follow-up, and next steps.
FAQ
Key details before you compare Koperasi KOPUTRI cooperative personal financing terms.
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