For many government workers, financial responsibilities don’t stop at your own household. There are parents who need help with monthly expenses, children to clothe and feed, and extended family members who look to you when things get tight. Being the person others rely on means your costs stretch across multiple households, not just your own.

Managing all of this takes financial breathing room. For government and GLC workers who need it, Peribadi-i Lestari from Co-opbank Pertama is a personal financing option built with your situation in mind.

Steady Payments From Start to Finish

As a Shariah-compliant product, Peribadi-i Lestari operates under Islamic financing principles, using a profit rate structure rather than conventional interest. For Muslim government workers, this matters both financially and in terms of peace of mind.

Your profit rate is also fixed from the start, which means your monthly payment stays the same throughout the entire financing period. You know exactly what is going out each month, making it easier to plan around everything else life demands.

Profit rates start from 3.45% p.a., and you can apply for financing of up to RM400,000 depending on your eligibility.

How PGM Makes Repayment Easy

PGM, or Potongan Gaji Majikan, is a salary deduction arrangement where your employer deducts your monthly financing payment directly from your salary, before the money reaches your account.

This means you do not need to set reminders, make manual transfers, or worry about missing a payment. Say your monthly payment is RM700. Your employer deducts that amount at the payroll stage, and your remaining salary is credited to your account as usual. The repayment is done before you even see your salary.

This automatic structure takes one thing completely off your plate, so your focus can stay on the people who depend on you.

Peribadi-i Lestari is open to government workers, GLC employees, and statutory body staff with PGM access. Private sector employees earning RM5,000 and above may also qualify.

The Right Financing For The Long Haul

When you are the person your family counts on, having the right financing in place means you can focus on what matters. Peribadi-i Lestari offers government and GLC workers a Shariah-compliant option with fixed profit rates from 3.45% p.a., financing up to RM400,000, and repayments handled automatically through PGM every month.

Visit Co-opbank Pertama to find out more about Peribadi-i Lestari.

Christina Chandra

Christina writes about personal finance with an eye for making the complicated feel straightforward. She is drawn to the everyday money decisions people face and genuinely enjoys finding the clearest way to explain them. Between articles, she is probably napping, on a hiking trail, or terrorising her sister’s cats.

About THE AUTHOR

Christina Chandra

Christina Chandra

Christina writes about personal finance with an eye for making the complicated feel straightforward. She is drawn to the everyday money decisions people face and genuinely enjoys finding the clearest way to explain them. Between articles, she is probably napping, on a hiking trail, or terrorising her sister's cats.

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