The primary objective of KOJADI is to extend an effective educational loan facility to needy students to pursue higher education and secondly to nurture human resource into well-trained manpower for the Malaysian Community and the Nation.

Since the launch of its first scheme, the Higher Education Loan Scheme in 1981, KOJADI has granted RM280 million in study loans to more than 12,300 students for their studies locally and abroad.

Since 2012 onwards, KOJADI have diversified its loans to business loans such as Micro Credit , TUKAR/ATOM (Under the Economic Transformation Programme), Small and Medium Enterprise loan (SME), and MicroSME loan.