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Members

Corporate Info

About KOWAJA

On 15 July 2003, Koperasi Wawasan Pekerja Berhad (KOWAJA) was registered under the Malaysia Co-operative Societies Commission of Malaysia (SKM) based on the Cooperative Act 1993.

KOWAJA is known for its exclusive personal financing products as well as Ar-Rahnu and Marrybrown franchise branch.

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Product

KOWAJA Financing

We always support your dreams and wishes for comfort and joy in life.

Peribadi i

Personal Financing-i

Get cash for health, education, marriage or home
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SME 5

SME Business Financing

Increase business capital & cash flow for SME companies
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Pembiayaan Bercagar

Secured/ Collateral Financing

Pledge your land or house to get more money in hand
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Pajak Gadai 3

Ar-Rahnu Pawnbroking

Pledge your gold items to get instant cash
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Contact us today to achieve what you planned.
Get Cash Easily

Realized All Your Dreams

The KOWAJA financing plans are offered to all Malaysian citizens, not just co-operative members.

Debt Consolidation Financing

With debt consolidation, you will focus on paying only one installment and help reduce the monthly commitment.
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Health Financing

Cost of treatment, medicine, follow-up treatment can be financed with Personal Financing-i KOWAJA up to RM150,000.
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Education Financing

Lack of funds to pay education fees is no longer an obstacle. Pursue your ambition to continue studying with Personal Financing-i KOWAJA!
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Wedding Financing

Materialized your wedding dreams with installment payment financing with KOWAJA Personal Financing-i.
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Home Renovation Financing

Installing or repairing new roof, installing solar panels, improving the kitchen or bedroom space. Personal Financing-i KOWAJA is ready to help.
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Testimonials

Customer's feedback

“Proses cepat & telus. Pinjaman berasaskan Syariah. Tiada hidden charges!"

Norazrin

Good service provided. They're efficient and intimate as well. Thank you so much for the hardwords.

Fareza Azhar

Very Friendly efficient, trustworthy staff. May allah bless the and their failies good health and wealth

Hapipah Mohd Ali

Penilaian saya terhadap koperasi KOWAJA ini sangat baik & selalu memberi layanan dan kerjasama yang sangat baik kepada ahli-ahlinya. Syabas KOWAJA teruskan usaha yag murni ini.

Dahari Pandoga

Good service provided, staff very friendly and helpful, and loan service with a good rate.

Marsitah Mansor

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