Direct Lending

5 Tips to Overcome Financial Emergencies

(This article was originally published on the 6th July 2019 and updated on the 2nd April 2020).  Sometimes things happen unexpectedly. Everyone of us has experienced at some point had to deal with a financial...

Credit Card Vs Personal Loan – Which One Should I Get?

(This article was originally published on the 6th January 2018 and updated on the 17th March 2020). There comes a time where we may find ourselves in need of a huge sum of money whether it is to foot the bill...

5 Things to Watch Out When You Apply for Koperasi Loan

(This article was originally published on the 5th April 2018 and updated on the 12th March 2020). In any given situation where money is involved, precautions must be taken seriously to avoid unnecessary...

Good Debt vs. Bad Debt

(This article was originally published on the 29th March 2018 and updated on the 11th February 2020).  The least regarded aspect of personal finance is handling indebtedness. The scope of personal finance...

Why Do People Take Personal Loans?

(This article was originally published on the 12th August 2017 and updated on the 14th January 2020). Why do people apply for personal loans? One obvious answer is because they require cash that they do not...

What are the Differences between Koperasi and Licensed Moneylender?

Most of the personal loans in Malaysia are offered by banks, cooperatives (Koperasi) and Licensed Moneylender. There are some misconceptions stating that Koperasi is categorised under Licensed Moneylender or...

7 Ways To Clear Your Negative CCRIS Record

(This article was originally published on the 8th December 2017 and updated on the 20th November 2019).  We have received many enquiries from our customers on how to clear their negative CCRIS (Central Credit...

3 Reasons To Use Koperasi Loan

(This article was originally published on the 8th October 2017 and updated on the 18th November 2019).  In our previous article, we discussed about the features of Koperasi Loan and how it is different from a...

What is CCRIS and CTOS?

(This article was originally published on the 15th of January 2017 and updated on the 15th November 2019).  “Your loan is rejected because you have a bad CCRIS or CTOS record”. Have you been told this before...

What is Koperasi Loan & How is it Different from a Commercial Bank Loan?

(This article was originally published on the 17th of September 2017 and updated on the 13th of November 2019).  A Koperasi Loan or Cooperative Loan is a type of personal loan offered to civil servants working...

Category - Koperasi & Personal Loan

Good Debt vs. Bad Debt

(This article was originally published on the 29th March 2018 and updated on the 11th February 2020).  The least regarded aspect of personal finance is handling indebtedness. The scope of personal finance extends beyond managing finances. Many focus...

What is CCRIS and CTOS?

(This article was originally published on the 15th of January 2017 and updated on the 15th November 2019).  “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...