Koperasi Aspirasi
Mulia Malaysia Berhad
Fair. Fast.
Patuh Shariah.
Shariah-compliant financing made simple for Malaysia's civil servants.
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Simple, Ethical Financing
Borrow Without the Bother – The Shariah Way.
Get personal financing from 6.99% fixed profit rate*, built for civil servants — with easy salary deductions and no hidden charges.
Know What You're Paying For
No Surprises. Just Transparency.
With us, what you see is what you pay. No compounding. No tricky fees. Just a fixed monthly plan that makes sense.
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Built for Civil Servants
Designed for You.
We serve teachers, nurses, enforcement officers, clerks, and more — because you serve the nation. Financing that fits your life, your values.
Ethics & Trust: Shariah Matters
Financing That Respects Your Values.
Fully Shariah-compliant (Tawarruq-based) financing — no riba, no compounding interest, no moral grey areas. Just ethical money, done right.
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Everything You Need.
Shariah-compliant financing (Tawarruq-based)
Profit rate from 6.99% flat
Fixed monthly payments
Salary deduction via ANGKASA
Fast approval – get funds in days
No guarantor needed
Financing amounts from RM3,000 to RM200,000
Terms up to 10 years
Fully licensed Malaysian koperasi
Takaful protection
Ethical, transparent agreements
Secure data handling
Professional, friendly service
Nothing You Don't.
No riba (interest)
No compounding charges
No hidden fees
No confusing terms
No call centre runarounds
No hassle — just financing that works
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