RM5 Million
With Collateral
RM150,000
Without Collateral
4.9 out of 5
Google Review
Your Business Needs Come First
Kowaja's Guarantee
100% Free Eligibility Check to Everyone
Free eligibility checking and pre-approval in as fast as 15 minutes.
Professional Services & Advice
No upfront payment and no hidden charges.
Compliant to Sharia-Based Financing
Covered by Takaful and based on the concept of Tawarruq
Transparent Transactions & Direct with Officers
No agents or third parties involved.
How to Apply for KOWAJA's Financing
Fill Out Your information Online
Fill in your information such as your name, phone number and type of employment in the space provided.
Check Your Eligibility
KOWAJA - HQ officer will contact you to check your eligibility.
Submit Document
Submit the completed form along with supporting documents.
Receive funding
Funding will be credited to your bank account within 24 hours*
What Does Our Successful Customers Say
Frequently Asked Questions
What do I need to know about KOWAJA Financing?
Details of Service By KOWAJA
Koperasi Wawasan Pekerja-Pekerja Berhad (KOWAJA)
> Registration No : W-6-0338
> Established on 15 July 2003
> Registered under the Cooperative Commission of Malaysia (SKM)
> Operates in accordance with the Cooperative Act 1993 & SKM Guidelines
Financing Offered
> Based on Shariah Compliance (Tawarruq concept)
> Involves the purchase & sale of commodities with installment payments
> Monthly installments via 'Direct Debit' or 'Post-Dated Cheques'
Principal Financing Amount
Without Collateral - Maximum RM150,000
With Collateral - Maximum RM5 Million
Financing Tenure
Minimum: 12 months (1 year); Maximum: 120 months (10 years)
Yearly Profit Rate
Fixed Rates As Low as 10% Per Annum - Terms and Conditions Apply*
The Highest Annual Percentage Rate (APR) is set at 13.8%.
Processing Fee
RM100 charge, one-time payment only.
Stamp Duty
0.5% from the total financing amount
Applicant and Business Qualifications
- Malaysian citizen aged 19 to 60 years:
- Business operating for at least three (3) years and registered with SSM
- Annual sales of not less than RM300,000
- Sole Proprietorship / Enterprise / Sdn Bhd
*Blacklist can apply (subject to terms & conditions)
Financing Calculation Example
Approved financing of RM 10,000 for 1 year:
1) Principal financing amount: RM10,000
2) Profit amount: RM1,000
3) Total financing to be repaid: RM11,000
4) Number of months of repayment: 12 months
5) Estimated monthly payment: Approximately RM917
Product Information
Minimum: 10%, Maximum: 13.8%
Financing Calculation Example
Kowaja SME Business Financing Payment Schedule
Contact Us
You Are Not Alone! We are always here to provide the best solution that meets your needs.
Message us now and feel the difference!
pembiayaan@kowaja.com.my
03-40482111
Level 18, Menara Teo Chew, No. 1 Jalan Lumut, 50400 Kuala Lumpur, Malaysia.
Cooperative Registration No: W-6-0338
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