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Yik Seong

Yik Seong is the founder of Direct Lending and Chartered Financial Analyst (CFA) Charterholder, with over 20 years of finance experience working in Malaysia, London, Singapore, and Hong Kong. Driven by his passion for finance, Yik Seong founded Direct Lending with a mission to provide safe and affordable financing to individuals with restricted access to credit channels. He enjoys long hikes during the weekend and never skips a morning coffee.

January 10, 2022

8 Ways to Save for Your Children Education Fund

In the more recent years, the state of the economy has been fluctuating in an unprecedented manner that it has become even more important to have a steady amount of savings, especially for your children education fund.
October 4, 2021

[INFOGRAPHIC] Differences between CCRIS and CTOS

CCRIS and CTOS are some of the crucial terms that are often mentioned during loan and financing application processes.
September 23, 2021

What is flat rate vs. effective interest rate & fixed rate vs. floating rate?

When talking about interest rate and repayment for loans, you might come across various terminologies such as flat rates, effective rates, fixed rates, and floating rates.
September 6, 2021

5 Ways to Save for Your House Renovation Malaysia

The phrase ‘home sweet home’ often comes with an image of a calm, cosy and welcoming house.
August 26, 2021

Impact of Base Rate (BR) & Revised Reference Rate Towards Your Loan

The Reference Rate Framework was introduced in 1983, where the Base Lending Rate (BLR) was used as the reference rate for retail floating-rate loans.
April 6, 2021

Should You Use Personal Loan To Pay Off Credit Card Debt?

The greatest mess one can experience is to wallow in credit card debt. Credit cards ominously changed the spending habits of many.
March 18, 2021

What Happens to Your Debt When You Die?

What happens to your debt when you die? As grim as it may sound, this is something that a loan borrower should give a serious thought.
July 6, 2020

Should You Take Out A Personal Loan For Business?

A way to ensure you have enough cash to support or grow your business is to take out a loan. You can either apply for a personal loan or a business loan.
February 25, 2020

How to Survive On a Low-Income Salary in Malaysia

According to a recent survey by Hays Asia, about 46% of Malaysians are unhappy with their salary as they are expecting a much higher pay.