KUWAIT FINANCE HOUSE

Kuwait Finance House

Incorporated in 1977 as the first bank operating in accordance with the Islamic principles of Shariah, Kuwait Finance House K.S.C. (KFH) ) has emerged as one of the leading Islamic banks in the world. KFH has business operations in Bahrain, Turkey, Jordan, Saudi Arabia, Malaysia, Singapore and Australia as well as affiliates in the United Arab Emirates, Oman and Bangladesh. Dubbed the 'Harvard of Islamic banks' in the 2007 issue of Forbes magazine, KFH has earned global recognition, having received numerous prestigious local and international awards. The accolades attest the financial strength, quality of assets and the efficiency and professionalism of its employees.

Kuwait Finance House (Malaysia) Berhad

Kuwait Finance House (Malaysia) Berhad (KFHMB) is the first foreign Islamic bank that was granted a licence under the Islamic Banking Act (Malaysia) 1983. A wholly-owned subsidiary of KFH, the move to set up an office in Malaysia was on the heels of Bank Negara Malaysia's (BNM's) decision to open up the country's Islamic banking industry to qualified foreign players as recommended under its Financial Sector Master Plan. As the regional headquarters of KFH in the Asia-Pacific region, our main role is to provide innovative Shariah-based financial solutions to our customers. In addition, we act as the intermediary and facilitator to promote two-way investments and trade between Malaysia, Asia-Pacific and the Middle East. Our wholly-owned subsidiary, Kuwait Finance House (Labuan) Berhad is licenced to carry on offshore banking business in the Federal Territory of Labuan.

We offer a complete range of Shariah-based financial products and services under Corporate and Investment, Commercial, and Retail and Consumer Banking as well as Treasury and International Business. In addition, we have established KFH Asset Management Sdn Bhd to provide asset and fund management activities, encompassing private equity, alternative investments and unit trusts.

Kuwait Finance House (Australia) Pty Ltd (KFHA) operates under an Australian Financial Services Licence. It plays a critical role in pioneering the development of Australian Islamic capital markets. The Australian office deploys the full scale Islamic financial services capability of KFH in Australia, which includes origination and execution of investment opportunities, treasury and investment products, as well as other marketing initiatives for the group. As such, KFHA also plays an important role in fostering greater economic linkages between the Gulf Cooperative Council (GCC) countries, the Asian region and Australia through foreign direct investments. KFHA serves as a liaison for all intended activities in Australia, namely corporate investment banking, investment by KFH-promoted funds, treasury products and all other marketing, investment and banking initiatives to be carried out within that jurisdiction.

Personal Financing-i Government Sector

Financing requirement

1. Minimum amount of financing is RM2,000
2. Maximum amount of financing is RM200,000
3. Financing amount must be in multiples of RM1,000

Tenure

Minimum 2 years > maximum 20 years.

Maximum Unsecured Exposure Cap (MUE)

Cap at 60% of Debt Service Ratio (DSR) against monthly gross salary

Age

Minimum 19 years at the time of application

Maximum up to age 58 years by maturity of financing

Note:

The date of final payment for financing is no later than by the age of 58, subject to the maximum financing tenure, whichever is earlier.

Type of Employment

Permanent government staff; a minimum of 2 year in service.

Customer segment

1. Government servant.
2. Applicant must be a Malaysian citizen or a permanent resident of Malaysia.
3. Financing is available for single applicants only, not joint applicants.
4. Must be eligible for Coshare Holding Berhad's (Coshare) or Ikhtiar Destinasi Sdn Bhd deduction.

                                        IKHTIAR DESTINASI SDN BHD

PROMOSI PEMBIAYAAN PERIBADI IDSB

KRITERIA PEMBIAYAAN

• IKHTIAR DESTINASI SDN BHD menggunakan potongan gaji wajib melalui Potongan Biro Angkasa
• Tiada potongan yuran koperasi kerana IDSB bukan sebuah koperasi.
• Tempoh ansuran 24 bulan hingga 240 bulan (2 tahun hingga 20 tahun).
• Kadar hanya 3.99% tetap walaupun sehingga 20 tahun.
• Pinjaman maksimum sehingga RM200,000.
• Payout pembayaran penuh 100% seperti dalam perjanjian.

KELAYAKAN PEMOHON

• Kakitangan kementerian2, jabatan2 AG persekutuan, negeri, PBT, majlis2 dan badan2 berkanun.
• Semua kategori pemohon mesti berjawatan tetap dan telah berkhidmat 2 tahun ke atas.
• Pemohon berumur 18 tahun hingga 57 tahun (Opsyen Letter) sehingga tamat tempoh pinjaman.
• Pinjaman terhad kepada 60% potongan dari gaji kasar.
• Minimum gaji pokok termasuk semua elaun min RM1000 sebulan.
• Elaun khidmat awam, elaun perumahan, elaun kritikal, elaun wilayah, elaun sara hidup dan ELAUN TETAP yang lain mengikut jabatan masing-masing.

DOKUMEN YANG DIPERLUKAN 

• Slip gaji asal yang terkini serta 3 salinannya
• 3 salinan slip gaji setiap 2 bulan sebelumnya
• 3 salinan kad pengenalan
• Surat Pengesahan Jawatan
• Surat Opsyen Pencen (umur 35 tahun keatas)
• Surat pengesahan cop ibu jari dan alamat
• Salinan bil elektrik/air/astro/telefon/kwsp
• Salinan buku akaun bank

*SEMUA SALINAN PERLUKAN COP PENGESAHAN

 

Pembiayaan Coshare merupakan pinjaman terbaru yang mengamalkan konsep Syariah melalui skim Pembiayaan Al-Tawaruq. Keistimewaannya adalah payoutnya 100% dengan kadar faedahnya tetap & setara pada 4.99% sehingga 20 tahun. Anda boleh dapat lebih tunai bersih apabila meminjam daripada Coshare. Pembayaran balik ansuran bulanan adalah melalui potongan gaji majikan.

Terdapat beberapa ciri yang membezakan Coshare dengan Koperasi. Secara amnya, anda sebagai peminjam tidak perlu menjadi ahli dulu sebelum layak membuat pinjaman Coshare. Lain pula dengan koperasi dimana koperasi hanya memberi pinjaman kepada ahli. Jadi, peminjam jimat yuran keahlian dan caruman bulanan.

Coshare bukan hanya sekadar sebuah koperasi malah Coshare beroperasi seperti Biro Angkasa yang mempunyai kod potongan sendiri. Dalam sistem potongan gaji, Coshare adalah salah satu agensi yang diamanahkan oleh Jabatan Akauntan Negara untuk membuat potongan gaji selain dari Biro Angkasa & BSN.

Dana dari Kuwait Finance House, antara institusi perbankan islamik antarabangsa yang terawal berasal dari Kuwait.

 

Hanya boleh terima dari kementerian & jabatan- jabatan persekutuan, Wilayah Persekutuaan, Selangor, Johor, Kelantan, Pahang, Perak, Kedah & Perlis.

Kelebihan Pinjaman Coshare:

·          Pinjaman maksima sehingga RM200,000

·          Proses dalam 2-3 Minggu

·          Tempoh bayaran balik sehingga 20 tahun

·          Blacklist layak selagi hutang tidak boleh melebihi RM100,000

·          Kadar faedah untuk 20 tahun juga adalah tetap 3.99%

·          Payout tinggi sehingga 100%!

·          Tiada yuran keahlian (tidak perlu menjadi ahli)

·          Tidak perlu borang Biro Angkasa

DoKumen Yang Diperlukan:

·          Slip Gaji Asal Satu Bulan Terkini (e-payslip perlu disahkan Majikan)

·          3 Salinan Slip Gaji Setiap Bulan untuk 3 Bulan Disahkan Majikan

·          3 Salinan IC Disahkan Majikan

·          Surat Pengesahan Majikan

·          Surat Opsyen Bersara (berumur 35thn keatas)

·          Salinan Buku Bank

·          Bill utiliti air/api/astro/telefon/KWSP

 

Ø       Setiap koperasi atau institusi pembiayaan mengkehendaki dokumen-dokumen yang hampir sama untuk pemprosesan permohonan kecuali beberapa pertambahan kecil sahaja yang perlu dirujuk dengan kami.

Ø       Bagi mengelakkan kelewatan proses atau pemulangan semula permohonan borang hendaklah di isi dengan teliti terutama tandatangan harus kemas dan sama pada setiap helaian yang memerlukan tandatangan.

Ø       Dokumen mestilah lengkap seperti yang dikehendaki dan setiap borang tertentu serta salinan dokumen juga dimestikan mendapat cop pengesahan majikan.

SEBARANG MAKLUMAT LANJUT DAN SEMAKAN KELAYAKAN SILA HUBUNGI:

ROMIE: 018-2954818

EMAIL: pinjamangomen@gmail.com

              mbsbkowamas@yahoo.com