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Members

Corporate Info

About KOWAJA

Established 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 product offerings such as personal financing scheme, SME business financing assistance, secured financing with collateral, as well as Ar-Rahnu pawnbroking outlets and their venture into Marrybrown franchise branch in Kelana Jaya, Selangor.

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Product

KOWAJA Financing

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

Pembiayaan Peribadi-i Dec22

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 Financing with Collateral

Pledge your land or house to get more money in hand
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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!
Apply Now

Wedding Financing

Materialized your wedding dreams with installment payment financing with KOWAJA Personal Financing-i.
Apply Now

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.
Apply Now

Business Financing

If you want to increase business capital or cash flow, Kowaja Exclusive PKS/SME Financing can help you to get the cash that you needed.
Apply Now
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

Thanks KOWAJA for their noble efforts in tracing the relevant members for the said money to be paid or distributed accordingly.

Abd Wahab

Terima kasih bebanyak kepada KOWAJA diatas pemulangan balik wang lebihan yang mana kami dah lupa serta layanan bertaraf 5 bintang dari staf-staf yang sangat mesra.

Hasnah

Allahu Akbar. Hebat. Salute. Terima kasih kerana menjemput kami anggota untuk hadir dalam majlis yang bermakna ini. Alhamdulillah.

Asiah

Terima kasih kepada semua ketua dan staf KOWAJA. Berlinang air mata mak cik. Shahdu rasanya dapat tengok gambar dari jauh. Terima kasih banyak-banyak!

Rohana

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