BAHASA MELAYU


Personal Loan KOWAMAS


Promotion Personal Loan KOWAMAS Raya 2012

(01/06/2012 – 31/08/2012)

Koperasi Kowamas is a coorporative that aims to achive a ‘Harmonious Development Of One Vision’ (Koperasi Wawasan). Kowamas as a society contributes towards the economic prosperity of the country along with its members around the world. In order to achieve this, Kowamas started to provide personal loans for employees of the government and statutory bodies based on the concept of Bai Al-Inah. The low interest rate of the Kowamas loan is fixed over the financing period chosen.

The following interest rates apply (Promotion Raya 2012):

4.99% : 1 – 2 years
5.10% : 3 – 10 years
5.30% : 11 – 15 years
5.50% : 16 – 20 years

  • Payout 95%
  • Open to all government, statutory bodies & GLCs that have Biro Angkasa salary deduction scheme
  • Simple process
  • No guarantor required
  • Application process around 7 working days
  • Financing following Islamic Al-Inah concept
  • Applicant must be Permanent staff in service for longer than 3 months
  • Repayment by salary deduction through Biro Angkasa
  • Minimum income RM700 (including fixed allowances)


KOWAMAS 2012 Raya
KOWAMAS Promotion Hari Raya 2012 (until 31 August 2012)


Table KOWAMAS 2012
Table KOWAMAS 2012 (Promotion Raya 2012)



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