Personal Loan AID
for Government Employees




Koperasi Serbaguna Pertanian Perusahaan Kemajuan Bhd. (Multipurpose Cooperative Agricultural Development Company Ltd.) is a registered cooperative (No.Bil Koop 4402) under the Cooperatives Act 1993. It is more commonly known by the name "Koperasi AID". Among the services provided are Personal Loans Islamic Al Bai’Biyhaman Ajil for Government Employees, Employees of statutory bodies, and selected private companies that have an agreement with Biro Angkasa. This Koperasi works in association with Al Rajhi Bank Berhad and Islamic Bank as funding sources for credits.




Financing up to RM 200,000 and 20 years


Interest Rate 7.25%* fixed
  • Personal Financing up to RM 200,000
  • Payment period up to 20 years
  • Permanent employment & basic salary of RM 700 required (incl. fixed allowances)
  • Aged 19 years and above, not older than 58 at the end of payment period
  • Repayment of funding through BIRO ANGKASA
  • Rebates for early settlement
  • The application process is simple and quick
  • Islamic Scheme and Berakad
  • No guarantor needed, CTOS/CCRIS can apply
  • OVERLAP of old loan account if Deductions are higher than 60%
  • BLACKLIST welcome to apply
  • TAKAFUL protection
*Subject to terms and conditions

FOR GOVERNMENT EMPLOYEES & STATUTORY BODIES ONLY !








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Monthly Installment Table for AID Personal Loan (Payment Schedule)




Calculation for Maximum Loan AID

Example Calculation:

  RM 1200 (Basic Salary)
+ RM 500 (Monthly Allowances)
= RM 1700
x 60%
= RM 1020
- RM 200 (Total Deductions)
= RM 820 (Available for Loan)

Years: 58 - Age (max. 20 years)


Basic Salary:
Allowances:
Deductions:
Age:











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