Direct Lending

Should I Consolidate My Debts with Personal Loan?

(This article was originally published on the 7th of February 2019 and updated on the 1st of September 2020).  The biggest cargo people carry these days is debt. Borrowing, including the use of credit...

10 Tips To Avoid Getting Into A Bad Debt

(This article was originally published on the 19th July 2019 and updated on the 4th August 2020). The worst financial mess one can ever get into is to be saddled with debts. Many are doomed the minute they...

How to Identify Loan Scams & What to Do If You Have Been Scammed?

(This article was originally published on the 10th September 2017 and updated on the 28th July 2020). There has been a lot of media coverage about loan scammers going on lately, especially during this COVID-19...

5 Steps To Reduce Your Monthly Debt Commitment

(This article was originally published on the 27th February 2018 and updated on the 20th  July 2020).  A critical component of personal finance is avoiding debt build up. Debt management is a growing concern...

What is CCRIS & CTOS and How to Read Your CCRIS Report?

(This article was originally published on the 15th of January 2017 and updated on the 13th July 2020).  “Your loan is rejected because you have a bad CCRIS or CTOS record”. Have you been told this before...

Should You Take Out A Personal Loan For Your Side Business?

(This article was originally published on the 17th November 2017 and updated on the 6th July 2020). A way to ensure you have enough cash to support or grow your business is to take out a loan. You can either...

5 Things to Watch for as a Loan Guarantor

(This article was originally published on the 23rd November 2018 and updated on the 22nd June 2020). Have you ever been approached by a relative or close friend and asked to act as a loan guarantor? The...

Buying a Motorcycle – Motorbike Loan or Personal Loan?

(This article was originally published on the 13th of February 2018 and updated on the 18th of June 2020).  As far as private vehicles goes, the main options are either cars or motorcycles. Given the high car...

Should I Pay Off My Personal Loan Early?

People these days have easy access to credit. You can either apply for a personal loan or swipe your credit card to obtain money for emergency, important milestone spending, or to fund lifestyle needs. The...

7 Ways To Clear Your Negative CCRIS Record

(This article was originally published on the 8th December 2017 and updated on the 15th June 2020).  We have received many enquiries from our customers on how to clear their...

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...