Getting to know Koperasi KOPUTRI
Koperasi Putri Terbilang Malaysia Berhad (KOPUTRI) offers personal financing specially for government employees and public sector staff. Established in 2006 and registered under Subsection 7(1) of the Cooperative Act 1993, KOPUTRI provides accessible and affordable loan options to help borrowers manage financial needs such as debt consolidation or emergencies. Known for its competitive profit rates and high payouts, KOPUTRI remains one of the trusted cooperatives among civil servants in Malaysia.
Special Loan Features
- Financing amount up to RM100,000
- Financing period from a minimum of 2 year to a maximum of 10 years
- Fixed profit rate of 5.90%. Payout as high as 95%
- Repayment through Biro Angkasa
- No guarantor or collateral
- No upfront payment
- Islamic financing
- Financing covered by Takaful
- Process 6-8 working days
- Rebate for early payment
Applicant Requirements
- Malaysian citizens aged between 21 and 54 years
- Government employees, statutory bodies or selected GLCs (except Army)
- The position is permanent and has served for a minimum of 8 months
- Fixed monthly income of minimum RM1,800 including fixed allowance
- High outside payslip commitment, CCRIS/CTOS are also eligible to apply
Want to fix your negative CCRIS record and regain financial control?
The Koperasi Putri Terbilang Malaysia Berhad (KOPUTRI) personal loan was designed to help borrowers overlap or settle outstanding debts with low rates and high payouts, making it easier to rebuild your credit health.
However, KOPUTRI is no longer accepting new applications. Don’t worry — at Direct Lending, we have other great koperasi loan options like Xanderia and Yayasan Dewan Perniagaan Melayu Perlis (YYP) that offer fixed low rates and high payouts, even for those with CCRIS or CTOS issues. Check your eligibility today — it’s fast, easy, and 100% free.
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Frequently Asked Questions
Koperasi Putri Terbilang Malaysia Berhad (KOPUTRI) cooperative personal loan is an unsecured personal loan. This means you do not need to provide collateral or guarantor to apply for this loan. Koperasi KOPUTRI personal loan is a Shariah concept.
You can apply for a Koperasi KOPUTRI personal loan to help you settle outstanding loans or clear a negative credit record with overlapping loans. In addition, you can also use this loan to buy a vehicle, renovate a house, start or expand a business, pay medical bills and others.
You are eligible to borrow if you are a civil servant in Malaysia and:
- A Malaysian citizen aged between 21 and 54 years
- Hold a permanent position and serve for at least 8 months
- Minimum gross income of RM1,800 including fixed allowance
- Not declared bankrupt and able to repay the loan
Koperasi KOPUTRI personal loan will not count your external commitment. Examples are car loans, credit cards, home loans and others. So you can apply for a KOPUTRI cooperative loan even if there is a high commitment outside the salary slip.
For borrowers who have problems with CCRIS records, Koperasi KOPUTRI accept but arrears exceeding 2 months must be cleared through this loan. For CTOS records, an amount less than RM5,000 is only eligible to apply for a KOPUTRI loan. KOPUTRI cooperative personal loans also accept those who have a Special Attention Account (SAA - Special Attention Account) record but must be cleared first.
Koperasi KOPUTRI personal loans do not accept borrowers listed under the AKPK Credit Management Program.
The maximum loan amount that can be borrowed is RM100,000. The loan period is a minimum of 2 years up to a maximum of 10 years.
Your loan is repaid monthly through automatic salary deductions processed by Angkatan Koperasi Kebangsaan Malaysia Berhad (ANGKASA).
For personal financing, one of the general eligibility conditions that have been set is a salary deduction not exceeding 60% unless the cooperative provides some flexibility. In fact, there are other factors that can affect whether your loan application is approved or not, such as your credit record and debt service ratio. For example, you can try to apply for a personal loan even if your salary deduction is more than 60% but your credit record and DSR are good.
The required documents are:
- Copy of MyKad identification card (front and back)
- 3 months latest salary slip statement (certified true by the employer)
- Employment confirmation letter
- A copy of the latest bank statement with your monthly salary credit
The Koperasi KOPUTRI personal loan application process is around 6 to 8 days. Please note that times shown are based on best efforts and are not guaranteed under any circumstances.
The fixed profit rate of Koperasi KOPUTRI personal loans is 5.90% per annum.
The membership fee for Koperasi KOPUTRI personal loan is RM10 monthly and RM30 contribution to the 'Members' Fund'. For Member Fund contributions will be credited back to you after the loan is completed. You only need to inform KOPUTRI if you want to cancel your membership.
For Koperasi KOPUTRI personal loans, no advance installment payment is required.
The total payout or financing amount you can receive is as high as 95%. The amount of financing you will receive will be determined by the Koperasi KOPUTRI.
Koperasi KOPUTRI personal loans have Takaful protection.
Yes, you can make an overlap loan for a Koperasi KOPUTRI personal loan.
If you are late paying the monthly payment, you will be charged a late payment fee every month on the unpaid amount as stated in your financing agreement with the Koperasi KOPUTRI personal loan.
Yes, you can make an initial explanation for the personal financing of the Koperasi KOPUTRI.
Check your eligibility through the Direct Lending platform, and we will help you find the best personal loan that fits your needs. Our experienced loan consultants will contact you and assist you throughout the loan application process from A to Z.
However, at this time, Koperasi Putri Terbilang Malaysia Berhad (KOPUTRI) is no longer accepting new applications. If you’re interested in applying for a loan, we have other better koperasi loan options with rates as low as 2.97% p.a. and payout up to 97%. You can also check out our article on 5 Best Personal Loans (Bank & Koperasi) for Government Servants to compare some of the top choices — suitable for all types of credit records, including those with CCRIS, CTOS, or AKPK issues.
To check your eligibility, click HERE. 100% free with no hidden charges or processing fees.
* Subject to the terms and conditions. KOPUTRI financing is at a fixed rate of 5.90%. The financing period is between a minimum of 2 years and a maximum of 10 years. As an illustration, for financing of RM10,000, for a period of 10 years at a profit rate of 5.90% pa, the total repayment at the end of the period is RM15,900.