Unsecured personal financing exclusively for government employees. Get a higher financing limit with flexible repayments of up to 10 years, and rebate for early settlement.

KOBETA Cash-iFor Government Staff
Profit Rate
From 6.9% p.a.
up to RM250k
up to 10 years
Loan Type
Unsecured Islamic Financing
Min. Income

Loan calculator

Profit rates

Based on your loan amount & loan period, the profit rates are as low as the following

Financing ValueFinancing periodYour IncomeProfit Rate
RM2,000 - RM250,00024 to 120 monthsmin. RM18,0006.9% p.a.

Fees & Charges

Profit Rate / APR
As low as 6.9% p.a.,depending on financing amount and period
Processing Fee
Stamp Duty
 0.5%  of the whole amount
Early Termination Fee
Late Penalty Fee
Mode of Payment
You must pay your financing installment by salary deduction


Minimum Annual Income
Minimum Age
  • 21 to 59 years old
Who can apply
  • Malaysians
  • Government employee
  • Statutory Body employee
  • Government-Linked Company employee
  • DBKL employee

More Information

Tell me about KOBETA.

Also known as Koperasi Bersatu Tenaga Malaysia Berhad, KOBETA is a registered cooperative under Akta 502 (Akta Koperasi 1993) Malaysia with more than 20,000 memberships as of today. 

This cooperative provides not only hospitality services but also financial products.

One of its financial products, KOBETA Cash-i, is a Shariah-compliant personal financing that opens to all permanent government servants in Malaysia.

How does KOBETA Cash-i personal financing work?

Pretty straightforward as with most personal loans in the market, except with much less strict lending requirements as compared to ones from the mainstream lenders. 

You can borrow any amount between RM2,000 to a maximum of RM250,000 from KOBETA Cash-i personal financing, with a repayment period from 2, up to 10 years. 

The profit rate chargeable on this personal financing is 6.90% p.a. flat and fixed throughout the tenure.

This personal financing monthly installment can be repaid via Biro Perkhidmatan Angkasa deduction, on a condition that it should not be more than 60%.

To apply, you need to meet the minimum requirements and conditions as set out by KOBETA.

But most importantly, you should always assess your capability to borrow and repay the facility before applying.

Is KOBETA Cash-i personal loan offered only to civil servants?

Yes, it is. Good news for our fellows in the Government sector!

Let's go through the checklist below to find out whether you are eligible to apply for this personal financing:

  • Must be aged between 21 to 59 years;
  • Must be a permanent Government staff with employment of more than 6 months; AND
  • Must earn a minimum monthly income of RM1,500.

If all of the requirements fit the shoe, then you are one foot away to finance your dreams, expenses and what-have-yous.

Am I qualified to apply for KOBETA Cash-i if I have a poor CTOS / CCRIS report?

KOBETA may consider those qualified applicants with a small hiccup in their lending profiles. 

However, you will not enjoy the same benefit of higher financing limits like everyone else from KOBETA Cash-i. 

The maximum amount you can borrow is up to RM20,000.

Any other benefits I can get from this Islamic Personal Loan?

You would be happy to know that you don't have to standby a guarantor when applying for KOBETA Cash-i. 

To top it off, this personal financing charges a low and flat profit rate, even without a guarantor requirement. 

That's not all, if you feel like settling your KOBETA Cash-i before the end of your financing tenure, you will receive a rebate for early settlement.

You will also be part of KOBETA community once you signed up for this personal financing and get to enjoy the benefits and privileges ranging from hospitality, charity, financial products and many more.

How to apply for KOBETA Cash-i?

You can apply for KOBETA Cash-i personal financing here at RinggitPlus by clicking the APPLY NOW button and expect a call from KOBETA within 5 working days to complete your application. In the meantime, you can prepare the following supporting documents:

  • 3 copies of MyKad (front and back);
  • Latest 3-months validated salary slips;
  • 1 copy of Bank Rakyat account statement;
  • Statement of Outstanding Completion (if any);
  • Confirmation of Employment letter with company "Letterhead"
  • A copy of utility bill (electricity, water, maintenance, etc).


  1. Non-AG applicants need to provide original copy of salary slip
  2. DBKL employee must obtain Emolument Form from Salary Department
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