Eligibility
- Malaysian citizens aged above 21 years old
- Having a valid business registration with Suruhanjaya Syarikat Malaysia (SSM) or relevant authorities
Fee & Charges
| Description/Service | Fee & Charges |
|---|---|
| Fees | Membership Entrance Fee Processing Fee Others |
| Stamp Duty | As per Stamp Duty Act 1949 (revised 1989) |
| Early Settlement Charges | 3 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
- Applicant
- Guarantor
- 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 Documents
- Sole-proprietor and Partnership
- Business Registration Form issued by SSM
- Business License by Local Authority
- Latest 6 months bank statement
- Latest 3 years management account
- Debtors and Creditors Aging List (If applicable)
- Business Proposal
- Private Limited Company
- M & A and Business Incorporation
- Form 9, 24, 44, 49 (or latest Annual Returns) & Memorandum and Article of Associations for companies registered under Companies Act 1965
- Section 14, 17, 46(3), 58, 68, & 78 for companies registered under Companies Act 2016
- Latest 6 months bank statement
- Latest audited account/management account/Profit & Loss Statement
- Business Proposal
- Debtors and Creditors Aging List (If applicable)
* This is the non-exhaustive list of documents subject to the assessment of the submitted loan application.
Frequently Asked Questions
Malaysian citizens above 21 years.
a. Working Capital.
b. For expansion of business.
c. As start-up cost of a new business venture.
d. Other purposes subject to approval of the Board from time to time (with supporting documents).
RM5,000 to RM50,000
From 1 year to maximum 5 years.
4% flat interest rate per annum with fixed monthly installments ( as shown in table given below )
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.
Applicant is required to furnish 1 or more guarantors with good credit ratings
Yes, the applicant is required to become a member of KOJADI