Blog

⚠ BEWARE OF SCAMMERS IMPERSONATING KOWAJA! ⚠We’ve received reports of scammers impersonating KOWAJA agents. These scammers use KOWAJA’s name to gain your trust, but the loans are actually being processed by other financial institutions. 🔒 REMEMBER: KOWAJA services are 100% FREE. We’ll NEVER ask for upfront payments. Our official website is www.kowaja.com.my. NO AGENTS. We […]

Finance is a very important aspect of life. Everyone needs to plan their finances regardless of whether they are rich or poor. However, a financial plan that is not implemented well will invite failure in managing finances. Personal financial management is not an easy matter. This is a fact and even though many people say […]

Organized finances not only help you manage your day-to-day expenses but also prepare you for a more stable future. In this increasingly complex world, effective financial management is becoming increasingly important. Knowing how to manage income and expenses wisely can help you ensure financial stability and achieve success in life. There is no doubt that […]

In the face of the 21st century, society is more aware of financial issues and one of them is the increase in the price of goods. The increase in almost all essential goods including non-control causes consumers who are already affected by the high cost of living at this time to be increasingly burdened. Every […]

It is never too early or too late to start retirement planning and retirement planning refers to financial strategies of saving, investments and ultimately distributing money meant to sustain oneself during retirement. You can start at any time, but it works best if you factor it into your financial planning as early as possible. Many […]

Various methods are used by scammers to obtain our personal banking information. Sometimes we ourselves also find it difficult to identify whether it is from a legitimate organization or not. It cannot be denied, the sophistication of today’s technology world indeed provides many benefits to our daily lives. But in every good, there must also […]

Everyone does not want to be burdened with debt, but sometimes circumstances may force us to buy something in installments or borrow money from financial institutions or third parties. But when debt starts to accumulate, we will definitely feel lost about how to pay it off and worse if something happens we are like being […]

Hari Raya Haji which is also known as Hari Raya Korban or Aidil Adha in Malaysia falls on the 10th day of Zulhijjah and lasts for four days which are the 10th, 11th, 12th and 13th day of the month of Zulhijjah every year. The festival begins with takbir Aidiladha on the 9th of Zulhijjah […]

In managing finances, one of the things to take care of is CCRIS and CTOS records. CCRIS is a platform that stores all types of application records and displays a full picture of an individual’s financial health. This CCRIS report is very important to determine whether your loan application is approved or rejected. Every month, […]

Have you ever applied for financing, but had trouble getting approved? This group consists of those who earn little or do not have a fixed income. Many entrepreneurs in Malaysia want to expand their business but have problems in terms of financial capital. Businesses or companies that want to compete do need a fund and […]