Syariah-Compliant Personal Financing | Yayasan Ihsan Rakyat
 

Personal Financing: Monthly Installment Calculator.

Use our easy calculator to check how much you can get from your financing.

(Disclaimer: The information generated by this Calculator is indicative only and should not be used to make any decisions relating to financing or loans.)

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How Can We Help You?


Why Choose YIR?

We offer easy, fast and fair financing products.


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How To Apply

4 simple steps to apply for financing.


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FAQ

Have a question? Let us help.


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Terms & Conditions

Download the full terms & conditions.


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Marketing Representative List

Please contact our Marketing Representatives listed here.



48-Hour Cash Disbursement

Get your money within 2 working days.

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Do you have the required documents for your application?

Certified True Copy Required

  • 1 photocopy MyKad / PDRM Identification Card
  • Recent 3 months payslips

Certified True Copy Not Required

  • Latest bank statement (salary account / local saving / current account to receive financing)
  • Employment verification letter
  • Option letter (if applicable)
  • Transfer letter (if applicable)
  • Settlement statement / secondment letter (if applicable)
 

Please contact our Marketing Representatives listed on the website.

Guides and Help on Financing

Articles on financing and finance management.


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Testimonials

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Get In Touch

Contact us via phone, email, or fill up the form below.

We’ll contact you within the next working day.


Processing Centre:
19th, Floor Menara Teochew (Formerly known as Menara AmMetLife),
No.1, Jalan Lumut,
50400 Kuala Lumpur,
Malaysia.
Monday - Friday
9.00 am – 6.00 pm
(excluding Public Holiday)


03 – 4047 0888
Monday - Friday
8.00 am – 6.00 pm
(excluding Public Holiday)


03 - 4047 0856


pertanyaan@yir.com.my
EN

Financing Fast, Fair, Easy Financing

  1. 48-Hours Disbursement*
  2. Financing Amount up to RM200,000
  3. Tenure up to 10 Years
  4. Open to Malaysian Civil Servants and selected Statutory Bodies and Government Linked Companies (GLC) Employees

*subject to complete documentation, employer verification and customer confirmation through akad.

How You Can Apply for Financing

  1.  Fill an Easy Application Form
    Download, fill up and submit the application form to us.
  2. Get Your Personalised Financing Quote / Check Your Eligibility
    Choose an amount from the offered quotes.
  3. Agree to Terms & Verify Your Details
    Our team will assist in your application.
  4. Get Your Money
    Upon approval and your acceptance, your financing will be disbursed within 48 hours.*

*subject to complete documentation, employer verification and customer confirmation through akad.

Frequently Asked Questions

Have a question? Let us help.


1Who is YIR?
YIR is a foundation with a company registration number 201201017719 (1003231-A) limited by guarantee and incorporated under the Companies Act 2016. It is NOT a co-operative society under the Co-operative Societies Act 1993.

2What are the products offered by YIR?
We offer unsecured shariah compliant personal financing products exclusively for Malaysian Civil Servants and selected Statutory Bodies or Government Linked Companies ("GLC") Employees. Profit rates of YIR products are calculated based on fixed rates and credit assessment. Our financing products are trusted, fast and fair.

3Am I eligible to apply for YIR financing?
You are eligible if you fulfil the following conditions:

  • Malaysian citizen
  • Working as Malaysian Civil Servants and selected Statutory Bodies or GLC employees
  • Aged 20 - 58. Maximum age for customers who are police officers is 55
  • Permanent job with at least 6 months of service
  • Minimum gross monthly income of RM1,500
  • Not in bankruptcy process and/or a bankrupt
  • Pass the credit score of YIR


4How can I apply for YIR financing?
You may download our application form here or contact our In-House Sales with contact details stated in this website.

Have more questions?
Click here

48-Hours Cash Disbursement

*subject to complete documentation, employer verification and customer confirmation through akad

Product Info - YIR BI

MALAYSIA ANTI-CORRUPTION COMMISSION ACT 2009 AND ITS AMENDMENT ACT 2018

YIR is committed to comply with Malaysia Anti-Corruption Commission Act 2009 and Its Amendment Act 2018. YIR upholds the highest standard of business ethics, respect local laws and not engage in any form of corruption, bribery, fraud or facilitation payments. Any breach or concern related to the above should be immediately reported to the following channel:

: 03 - 4047 0853 | : compliance@yir.com.my