
Transparent. Fast. Efficient.
High financing amount, long financing period and low fixed rate.
High financing amount, long financing period and low fixed rate.
Financing-i

Transparent. Fast. Efficient.
High financing amount, long financing period and low fixed rate.
High financing amount, long financing period and low fixed rate.
Business
Financing

Transparent. Fast. Efficient.
High financing amount, long financing period and low fixed rate.
High financing amount, long financing period and low fixed rate.
Financing

Pawnbroking
Transparent. Fast. Efficient.
High financing amount, long financing period and low fixed rate.
High financing amount, long financing period and low fixed rate.

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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.
Product
KOWAJA Financing
We always support your dreams and wishes for comfort and joy in life.
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.
Health Financing
Cost of treatment, medicine, follow-up treatment can be financed with Personal Financing-i KOWAJA up to RM150,000.
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!
Wedding Financing
Materialized your wedding dreams with installment payment financing with KOWAJA Personal Financing-i.
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.
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.
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
Latest
Promotions
- March 6, 2023
RAYA SUPER OHSEM RM300 SPECIAL REWARD
- December 1, 2022
LAUNCHING PERSONAL FINANCING-i AL-MUTAYASIR
- September 1, 2022
MALAYSIA DAY 2022 PROMO
Latest
Announcements
- March 29, 2023
100 BEST COOPERATIVES 2022
- October 28, 2022
BLOOD DONATION CAMPAIGN IS BACK AGAIN
- June 28, 2022
FEDERAL TERRITORY BEST COOPERATIVE AWARD 2022
- May 31, 2022
I-KOWAJA PLATFORM LAUNCHING
- March 29, 2022
REFUND OF MONTHLY FEES AND MEMBER SHARES
- January 6, 2022
FINANCING PACKAGE FOR FLOOD DISASTER
Latest
Activities
- March 29, 2023
6TH BLOOD DONATION CAMPAIGN
- March 1, 2023
KOWAJA MEMBERSHIP CHEQUE REFUND CEREMONY 2023
- February 15, 2023
CHINESE NEW YEAR CELEBRATION 2023
- November 16, 2022
5TH BLOOD DONATION CAMPAIGN
- November 16, 2022
DONATION CEREMONY FOR DEEPAVALI 2022
- June 8, 2022
4TH BLOOD DONATION CAMPAIGN
Latest
Blogs
- November 4, 2022
OPR INCREASE AGAIN
- August 3, 2022
DEBT RIDDEN
- July 7, 2022
HARI RAYA AIDILADHA
- June 29, 2022
FINANCIAL RECORDS FOR LOANS – CCRIS
- June 3, 2022
MICRO FINANCING
- May 9, 2022