Category Archives: Pinjaman

Kebijakan Moneter, Ukuran Bank, dan Pinjaman Bank: Studi …

Djamaluddin, Muh. Yunus

Abstract:
This study investigates empirically the existence of monetary policy proxied by official rate (BI’s rate) to realization of bank lending channels by conventional commercial banks in Indonesia between 2010 and 2013. The data used are monthly data of 88 conventional commercial banks, which are categorized into three bank size, (1) large bank, (2) medium bank, and (3) small bank. The model is estimated using static panel analysis. Moreover, this study categorized types of loans into four categories, (1) gross loans, (2) small and medium enterprise loans, (3) non-small and medium enterprise loans, and (4) property loans. The result showed that there isn’t existence of transmission monetary policy on bank lending channels in Indonesia. This study found the characteristics of conventional commercial banks such as assets and liquidity reacting bank lending channel differently in different bank size.

The rest is here: Kebijakan Moneter, Ukuran Bank, dan Pinjaman Bank: Studi …

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Maybank Personal Loan | Pinjaman Peribadi

Maybank Personal Finance

Malayan Banking Berhad is the largest bank and financial group in Malaysia, with significant banking operations in Singapore, Indonesia and the Philippines. The bank also has large interests in Islamic banking through Maybank Islamic Berhad and insurance via its Etiqa subsidiary. Maybank is the largest bank in Malaysia with 401 domestic branches.

Maybank offers loan such as Maybank Personal Loan &Maybank Islamic Personal Financing-i (MIPF-i) with a theme “Live a Brighter Life”.

Customers can apply for a loan based on their preference with Maybank using the quick application process which ensures hassle free, fast approval and no guarantor or collaterals required. To apply for a Maybank financing, you will just need to provide a fixed monthly instalment. Customers can apply for loan amount of minimum RM5,000 to a maximum of RM100,000.Repayment period for the loan is minimum of 2 years or a maximum tenure 6 years.

Interest Rates:
Loan amount RM5,000 to RM20,000 (8% per annum fixed rate)
Loan amount RM20,001 to RM50,000 (7% per annum fixed rate)
Loan amount RM50,001 to RM100,000 (6.5% per annum fixed rate)
Customers who are eligible for the loan will enjoy benefits such as:
Monthly repayment as low as RM102.78 per month for Basic Loan (depending on the loan amount and repayment period)
No documents stamping
No processing fee
Fast Approval
Personal Care Insurance Protection
Customers must fit in the criteria to be eligible for the personal loan:
Individual Malaysian Citizen aged between 21 to 60 years old
Minimum income of RM30,000 per annum
Customers need to provide the bankers with the updated documents for loan application:

Employed customers:
Copy of NRIC (both sides)
Latest BE form with official tax receipt
Latest 3 months’ salary slips
Latest 6 months’ savings account activity/current account statements
Self-employed customers:
Copy of NRIC (both sides)
Latest BE Form with official tax receipt
Copies of Business Registration
Latest 6 months’ Bank Statements
Please also take note of the additional fees & charges for loan application:
No processing fees or stamping fees
Late payment Charges: 1%p.a on the amount in arrears, calculated from overdue date till date of full monthly payment
Early settlement fees: RM200 or a sum equivalent to 3% of the outstanding balance of the loan whichever is higher, only is settled within first half of the tenure
Customers who apply for financing will be briefed on the monthly repayment table to enable customers to plan their repayment well.

Read more: Maybank Personal Loan | Pinjaman Peribadi

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Pinjaman Peribadi Bank Rakyat | Pinjaman Peribadi

Bank Rakyat Personal Financing
Document required for financing application
1. Copy of Identity Card / Authority Card (Police / Army)
2. Latest 3 months’ salary slip
3. Latest employer’s confirmation letter
4. Latest three (3) months Bank Statements of salary crediting account
Repeated/Overlap Applicationl
1. Copy of Identity Card
2. Latest 3 months’ salary slip

Personal Financing-iAslah for Civil Servant (RakanPintar)
Specialty of Personal Financing-iAslah for Civil Servant (RakanPintar) is a unique product that is designed specifically for public servants in which it offers a lower profit rate with the following benefits:
Special ATM Card (RakanPintar)
RM0.50 cash back on transaction charges for MEPS and Tabung Haji at ATM
Features of Personal Financing-iAslah
Amount of financing up to RM200,000
Financing tenure up to 10 years
Financing margin up to 35 times your monthly gross salary
No guarantor
Takaful coverage are optional
No advance payment
Personal Financing-iAslah for Private
Amount of financing up to RM150,000
Financing tenure up to 10 years
Financing margin up to 10 times your monthly gross salary (Salary RM2,000 – RM3,000) and 15 times your monthly gross salary (Salary RM3,001 and above)
No guarantor
Takaful coverage are optional
No advance payment
Negotiation rate offered to employees of companies or cooperatives with certain conditions stated by Bank
Eligibilityfor Personal Financing-iAslah
Malaysian citizen
Minimum age of 18 years and maximum 60 years old at the end of the financing tenure
Minimum fixed monthly income of RM1,000 including fixed allowances
Public sector employee
Have been confirm in current service
Payment Methodfor Personal Financing-iAslah
Saving/Current Account Deduction (Salary transfer to Bank Rakyat)
Documents Required
History of Bank Rakyat
Bank Rakyat is an Islamic cooperative bank which was established on 28 September 1954 under the Cooperative Ordinance of 1948, following the growth of the cooperative movement in Peninsular Malaysia. Previously known as Bank Agong or Apex Bank, this financial institution was the result of a merger with 11 union banks. It was then established as a primary channel to collect funds, and distribute financing to cooperatives. Renamed Bank Kerjasama Malaysia Berhad in 1967, the Bank has since extended its membership to individuals as well.
Bank Rakyat offer many financial services including Personal Financing, if you are looking for personal financing here is some financial packages you can consider.Currently for personal loans Bank Rakyat offer Personal Financing-iAslah for Civil Servant (RakanPintar) & Private.

Read more: Pinjaman Peribadi Bank Rakyat | Pinjaman Peribadi

Agrobank Personal Loan | Pinjaman Peribadi Malaysia

Agrobank is a continuity of the former Bank Pertanian Malaysia which has 40 years of experience in agricultural banking and an excellent track record in shaping and developing successful entrepreneurs.
AgroCash-i (Bai’ Al-Inah)
Provides financing facility for personal consumption purposes specifically related to agriculture base activity.
Eligibility:
Government Servant
Repayment method is through Biro PerkhidmatanAngkasa (BPA)
Allowable BPA deduction is not more than 60% (including this financing)
Confirmed and permanent Government Servants. For contract staff, a permanent and confirmed staff must stand as guarantor
Aged between 18 to 60 years old or before the retirement age (whichever is earlier)
Minimum gross income (including fixed allowances) of not less than RM 1,000 per month
Selected Government Linked Company (GLC)
Repayment method is through Biro PerkhidmatanAngkasa (BPA)
Allowable BPA deduction is not more than 50% (including this financing)
Confirmed and permanent selected GLC’s employees who has been in the employment of not less than three (3) months
Aged between 21 to 60 years old or before the retirement age (whichever is earlier)
Minimum gross income (including fixed allowances) of not less than RM 2,000 per month
Customers can enjoy a financing limit up to RM100, 000.Financing period is up to 120 months (10 years).Financing provides Takaful protection scheme which is compulsory for customers.
Hartani-i
Provided to staff from government / private sector, through the Al-Bai’ BithamanAjil (BBA) concept. Facility provides to the individual who have a fixed income which plan to buy and developed land under the Al-Bai’BithamanAjil (BBA) concept.
Eligibility:
Malaysian citizen and reside in Malaysia
Offer to all staff from government/private sector
For Government sector; gross salary included Fix allowances not less than RM 1,500.00/ month
For Private sector; gross salary included Fixed allowances not less than RM 2,000.00/month
For the individual other than the two categories, the monthly income must be stable and affordable
Age21 – 60 yrs (On the maturity date of funding)
Ar-Rahnu
An Islamic pawn broking scheme based on Syariah principles of Al-Qard, Al-WadiahYadDhamanah and Al-Ujrah which provides a sources of immediate loan to assist individuals in overcoming cash-flow needs, offering business opportunities as well preventing from illegal/unlicensed loan activities. Benefits of the loan:
Interest free loan according to Syariah principles
Fast, easy and safe. Safety of jewellery is guaranteed
Cheaper (Safekeeping fee from RM0.50)
Fixed safekeeping fee throughout the pawn tenure
Required Documents for loan application:
Photocopy of Identity Card
Photocopy of latest three (3) monthspayslip
Employer’s Confirmation Letter
Bank statement where the salary being credited

The rest is here: Agrobank Personal Loan | Pinjaman Peribadi Malaysia

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