ATOM (Automotive Workshop Modernisation Project)

Eligibility

  • Malaysian citizens aged between 18 to 60 years old
  • Having a valid business registration with Suruhanjaya Syarikat Malaysia (SSM)
  • Valid business license from local authorities
  • Full time business with at least 1-year operation
  • Not more than 2 shops or 2,500 square feet

Fee & Charges

Description/ServiceFee & Charges
Fees

Membership Entrance Fee

Processing Fee

Others

Stamp DutyAs per Stamp Duty Act 1949 (revised 1989)
Early Settlement Charges3 months notice in writing in advance OR 3 months interest on the early settlement amount

*Subject to Government Tax, if applicable
*
This is the non-exhaustive list of fees and charges, call us at 03-21616499 for further information.   

Documents Required

  • 1 certified copy of I/C (front and Back)
  • 1 passport-sized photograph
  • 1 certified copy of latest income tax B/BE form or EA form or EPF statement
  • Recent copy of home and office utilities bills
  • 1 certified copy of I/C (front and Back)
  • 1 passport-sized photograph
  • 1 certified copy of latest income tax B/BE form or EA form or EPF statement
  • Business Registration Form issued by SSM
  • Business License by Local Authority
  • Latest business premise’s tenancy agreement/S &P agreement/land title   
  • Photograph of the business premises  
  • Other relevant documents to support the application such as endorsement letter from appointed ATOM Consultant/Associations.
  • M & A and Business Incorporation
  • Form 24, 44 and 49 (latest annual returns)
  • Latest 3 months bank statement
  • Latest audited account/management account  
  • Latest business premise’s tenancy agreement/S &P agreement/land title   
  • Photograph of the business premises  
  • Other relevant documents to support the application such as endorsement letter from appointed ATOM Consultant/Associations.

* This is the non-exhaustive list of documents subject to the assessment of the submitted loan application.

Frequently Asked Questions

Malaysian citizens aged 18 to 60 years.

a. Renovation/Upgrading of business premise.
b. Purchase of Machine & Machineries
c. Working Capital (not exceeding RM20,000 or 20% of the loan margin)

RM30,000 to RM100,000

Maximum 15 years.

Payment shall be made in the following manners:

  • JomPay services (Preferred option) via ATM or Internet Banking or Touch ‘n Go eWallet
  • Cash/Cheque payment via cash/cheque Deposit Machine with payment option under KOJADI’s bill payment
  • At KOJADI payment counter 

Remarks: Fees and charges may be imposed for cheques in the future without notice.

KOJADI requires a guarantor to guarantee the repayment of the loan extended to you

Yes, the applicant is required to become a member of KOJADI

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*Subject to Government Tax, if applicable

Description/ServiceCSD Charges/Fees*
Disbursement fees Disbursement Fees including but not limited to membership fee, processing and administration fee, documentation fee and insurance premium
Stamp Duties As per Stamp Duty Act 1949 (revised 1989)
Prepayment and Early Settlement Charges 3 months notice in writing in advance OR 3 months interest on the early settlement / prepayment prepaid amount