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Frequently Asked Questions

Who is OSK Syariah Capital Sdn Bhd (“OSKSC”)?

OSKSC is a company incorporated in Malaysia and a subsidiary of the OSK Group, offering Syariah-compliant personal financing facilities.

The product offered is an unsecured Islamic personal financing facility. Currently, this product is offered to civil servants, with monthly installment payments made via salary deduction through Angkatan Koperasi Kebangsaan Malaysia Berhad (“ANGKASA”).

This product is based on the Syariah concept of Commodity Murabahah through Tawarruq.

You are eligible to apply if you meet the following criteria:

  1. aged between 20-58 years old (The maximum financing period is one year before retirement, and the retirement age is capped at 58 years).;
  2. hold a permanent position for more than 6 months as a civil servant and are not on probation;
  3. minimum gross monthly income of RM1,500;
  4. not in the bankruptcy process and/or a bankrupt;

You are required to submit:

  1. A copy of your identification card.
  2. A certified copy of your police ID card (if applicable).
  3. A copy of your recent month’s salary slip.
  4. A bank statement for the account receiving the financing.
  5. Employment verification letter.
  6. Option letter (if applicable).
  7. Transfer letter/secondment letter (if applicable).
  8. Early settlement statement (if applicable).
  9. BPA 1/79 ANGKASA Form certified by authorised employer.
You may still apply, but approval is subject to terms and conditions.

You do not need a guarantor or collateral for this financing. However, this requirement depends on the credit evaluation conducted by us at our discretion.

You do not need to pay any membership or service fees to anyone under any circumstances.

Monthly installment payments will be made via salary deduction through Angkatan Koperasi Kebangsaan Malaysia Berhad (“ANGKASA”).

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