Yayasan Ihsan Rakyat

We provide simple, fast and transparent shariah-compliant personal financing.

OFFICIAL WEBSITE OF YAYASAN IHSAN RAKYAT

OFFICIAL WEBSITE OF
YAYASAN IHSAN RAKYAT

About YIR

We are a foundation that provides exclusive shariah-compliant financing to Malaysian civil servants, selected Statutory Body and Government Linked Companies (GLCs) employees.

In 2012, we started our operation and have created financial solutions to meet various individual and social needs through personal financing that are:

OFFICIAL WEBSITE OF
Yayasan Ihsan Rakyat

About YIR

We are a foundation that provides exclusive shariah-compliant financing to Malaysian civil servants, selected Statutory Body and Government Linked Companies (GLCs) employees.

In 2012, we started our operation and have created financial solutions to meet various individual and social needs through personal financing that are:

OUR EXPERTISE

Why Choose YIR?

Comply with
the Shariah Concept

The financial products and services offered are based on the Shariah concept.

Disbursement within
48 Hours*

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

Public Sector Exclusive

Exclusively for civil servants, selected Statutory Bodies and Government Linked Companies (GLCs) employees in Malaysia.

Contact Us

Would Like to Apply For YIR Financing?

Fill out this form and send us your information! We will contact you on the next working day.

(Disclaimer: This calculator serves as an estimate only. It is provided for illustrative purposes and is based on the accuracy of the information provided. It is not a quotation.)

FAQ

Have A Question? Let Us Help.

Anda layak momohon jika anda memenuhi syarat-syarat berikut:

  1. Warganegara Malaysia.
  2. Bekerja sebagai Penjawat Awam Malaysia dan kakitangan Badan Berkanun atau GLC yang terpilih.
  3. Berumur 20-58 tahun. Umur maksimum bagi pelanggan yang berkhidmat sebagai pegawai polis adalah 55 tahun.
  4. Pekerja tetap dengan  sekurang-kurangnya 6 bulan perkhidmatan.
  5. Pendapatan kasar bulanan minimum sebanyak RM1,500.
  6. Tiada dalam senarai muflis dan / atau bankrap.
  7. Lulus skor kredit YIR.

Anda boleh memuat turun borang permohonan kami di sini atau menghubungi Pegawai Pemasaran kami dengan maklumat hubungan di soalan 33.

Anda dikehendaki menyediakan:

  1. Salinan Kad Pengenalan ("KP").
  2. Salinan Kad Pengenalan Polis yang disahkan (jika berkenaan).
  3. Salinan sah 3 bulan slip gaji terkini - disahkan oleh majikan.
  4. Penyata bank terkini (akaun gaji / akaun menerima pembiayaan).
  5. Surat pengesahan jawatan.
  6. Surat opsyen, jika berkenaan.
  7. Surat penukaran jabatan atau surat penempatan, jika berkenaan.
  8. Penyata penyelesaian awal, jika berkenaan.

Tidak perlu. Walau bagaimanapun, persetujuan anda untuk mendedahkan laporan kredit diperlukan untuk memudahkan proses permohonan pembiayaan. Maklumat kredit anda akan digunakan sebagai sebahagian daripada pertimbangan semasa menawarkan produk pembiayaan.

Tiada penjamin atau cagaran diperlukan untuk pembiayaan peribadi YIR.

Have more questions? Click here.

FAQ

Have A Question? Let Us Help.

You are eligible if you fulfil the following conditions:

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

You may download our application form here or contact our In-House Sales with contact 03-4047 0827.

You will be required to provide:

  1. photocopy of your Malaysian Identification Card (“NRIC”).
  2. A photocopy of your Police Identification Card, if applicable.
  3. Certified true copies of recent 3 months pay slips – certified by employer.
  4. Recent bank statement (salary account / account to receive financing).
  5. Employment verification letter.
  6. Option letter, if applicable.
  7. Transfer letter / secondment letter, if applicable.
  8. Settlement statement, if applicable.

No. However, your consent to provide us access to your credit report is required in order to process your financing application. Your credit information will be used as part of our consideration when offering our financing products.

No guarantor or collateral is required for YIR Personal Financing.

Have more questions? Click here.

Have more questions?
Click here.

Our Testimonials

Hear From Our Successful Applicants!

Terima kasih kerana memperkenalkan Yayasan Ihsan Rakyat yang sangat membantu dan bermanfaat kepada yang memerlukan khususnya produk dan pakej yang diperkenalkan, perkhidmatan yang sangat baik jelas dan telus dalam perihal pengurusan.

MOHD SAH BIN AB HASANI

Pelanggan

Loan telah diluluskan. perkhidmatan antara yang terbaik setakai ni. Cepat, mudah dan selamat. Pegawai khidmat pelanggan terbaik.

Zoery Ruky Ungef

Pelanggan

Urusan mudah dan sangat pantas. Dalam 3 hari dah settle semua. Petang dapat call esoknya dah clear duit dalam bank. Recommended sangat!

Zulaiha

Pelanggan

Pengurusan pinjaman yang terbaik dari pihak koperasi sentiasa menjawab sebarang persoalan dengan pantas. Terbaik buat Bahagian pengurusan pinjaman MARDHIAH. TERIMA KASIH..TERIMA KASIH.. TERIMA KASIH..

Riduan Dulih

Pelanggan