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Sera
A UiTM graduate, digital marketer and content creator since 2018. Sera writes about anything, from career advice, lifestyles, and finance. A person who cannot live without coffee, and sometimes she spends too much time on Twitter and TikTok.
March 30, 2026
We have received many inquiries from our customers on how to improve their CCRIS report (Central Credit Reference Information System) records.
March 30, 2026
The biggest cargo people carry these days is debt. Borrowing, including the use of credit cards, is habit-forming. Once you get caught in the habit, you run the risk of spending more than you can really afford.
March 24, 2026
Did your personal loan get rejected because you have a negative CCRIS and CTOS record or you are currently listed under the AKPK programme?
March 12, 2026
What would happend if you are in a desperate need of emergency cash immediately? If you are lucky and financially aware, you might have a saving or an emergency fund.
February 12, 2026
We have received many inquiries from our customers on how to improve their CCRIS report (Central Credit Reference Information System) records.
February 11, 2026
“Your loan is rejected because you have a bad CCRIS or CTOS record”. Have you been told this before by a bank officer? And you are wondering, “What is CCRIS and CTOS?”.
February 3, 2026
If you are a civil servant, you will most likely have the experience of receiving SMS or cold calls offering you personal loan financing, whether it is from the bank or koperasi.
January 12, 2026
Tax relief or tax exemption in Malaysia is a system established by the Inland Revenue Board of Malaysia (LDHN) whereby taxpayers are allowed to deduct a certain amount of money from their income tax.
December 10, 2025
Tax relief or tax exemption in Malaysia is a system established by the Inland Revenue Board of Malaysia (LDHN) whereby taxpayers are allowed to deduct a certain amount of money from their income tax.