Review Koperasi Ukhwah Malaysia Berhad cooperative personal financing terms for eligible civil servants and statutory bodies, with rates from 4.35% p.a., payout up to 89%, and repayment through Biro Angkasa.
Available Amount
Up to RM 200,000
Best For
Civil servants
Journey
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About The Facility
Koperasi Ukhwah offers cooperative personal financing designed for Malaysian government employees and statutory body staff, with Shariah-concept financing and salary deduction repayment.
Background
Koperasi Ukhwah was established in 1998 and operates under the Cooperatives Act 1993. Its services include Ukhwah personal financing, Ar-Rahnu, real estate investment, Ukhwah Care, and Ukhwah Computer programs.
Established
1998
Koperasi Ukhwah was established in 1998.
Registration
Act 1993
Koperasi Ukhwah operates under the Cooperatives 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 Takaful protection and salary deduction through Biro Angkasa.
Financing Amount
Maximum financing amount is subject to profile, income, commitments, and final approval.
Profit Rate
The reference terms list 4.35% for 1-3 year loans and 4.99% fixed for 4-10 year loans.
Financing Period
The financing period ranges from a minimum of 1 year up to a maximum of 10 years.
Repayment
Monthly repayment is made through automatic salary deduction processed by ANGKASA.
Processing
The reference feature list states 6-8 working days, while the FAQ states around 2 to 3 weeks. Actual timing is not guaranteed.
Upfront Fees
No advance instalment payment is required before the financing proceeds.
Protection
The UKHWAH 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 Koperasi Ukhwah is no longer accepting new personal loan applications. 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 UKHWAH cooperative personal financing.
Payout, Fees & Repayment
Final payout and approved amount are determined by UKHWAH after assessment, according to the reference terms.
Cash in hand
The total payout or financing amount received can be as high as 89%, subject to UKHWAH's assessment.
Membership Fee
The reference terms list a RM 30 monthly membership fee, deducted from the personal loan.
Advance Instalment
No advance instalment payment is required for UKHWAH cooperative personal financing.
Takaful Protection
UKHWAH personal financing includes Takaful protection.
Overlap Facility
Existing UKHWAH personal financing can be overlapped, subject to approval and facility rules.
Late Payment
Late monthly repayment can be charged based on the unpaid amount stated in the financing agreement.
Illustration
As an example from the reference terms, financing of RM 10,000 over 10 years at 4.99% p.a. would have total repayment of RM 14,990. 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 UKHWAH 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 UKHWAH cooperative personal financing terms.
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