KOPERASI JAYADIRI MALAYSIA BERHAD 自立合作社
Premier Education Loan Provider
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贷学金计划 English
自立合作社共设有 12 项贷学金计划以应付社员的不同需求。
各项贷款计划的贷款涵 盖范围包括职技教育课程，学士及研究生课程。
以下为本社各类贷学金计划 :
1. KOJADI Higher Education Loan Scheme (HELS) 大学贷学金计划
此计划配合合作社于1981年成立而开始推行。
2. KOJADI Special Education Loan Scheme (SELS) 特别贷学金计划
供未具备申请大学贷学金计划社员参加。
在特别贷学金计划下尚可分为下列 10 项 :
2.1 KOJADI Vocational Education Loan Scheme (S-VELS) 技职教育贷学金计划
- 供在本地攻读技职教育之社员子女申请
2.2 KOJADI Institute Education Loan Scheme (S-JELS) 自立学院贷学金计划
- 凡在自立学院深造之社员子女皆可申请
2.3 KOJADI Education Loan Scheme for TARC Graduates (S-TAR)
拉曼学院毕业生贷学金计划
- 供继续深造的拉曼学院生 (社员子女) 更多
2.4 KOJADI Education Loan Scheme for Local University Studies (S-LUS)
本地大学贷学金计划
2.5 KOJADI Education Loan Scheme for Foreign University Studies (S-FUS)
外国大学贷学金计划
2.6 KOJADI Education Loan Scheme for Independent Secondary School Certificate Holders
(S-ISS) 独中毕业生贷学金计划
- 独中毕业而获准进入大专深造之社员子女皆可申请
2.7 KOJADI Education Loan Scheme for Early Childhood Education (S-ECE)
启蒙教育贷学金计划
- 攻读启蒙教育课程之社员皆可申请
2.8 KOJADI Education Loan Scheme for Overseas Postgraduate Studies (S-OPS)
国外研究生贷学金计划
2.9 KOJADI Education Loan Scheme for Local Postgraduate Studies (S-LPS)
国内研究生贷学金计划
2.10 KOJADI Education Loan Scheme for Universiti Tunku Abdul Rahman (S-UTAR)
拉曼大学贷学金计划
2.11 KOJADI Education Loan Scheme For Foundation Programs (S-PUF)
大学基础课程或预科贷学金 詳全文
自立合作社贷学金计划
1. 贷学金申请条件
1.1 申请人须为自立合作社社员，并拥有 RM100 之社股金。
1.2 申请人须为每名受惠子女缴付介于 RM500 至 RM2000 的额外股金。
注：为了方便贷款申请者于提呈申请书时无需付交额外股金及学生保险费，
本社允许及接受申请者以部分贷款扣除缴付上述两项付款。
1.3 申请人须在大学贷学金计划 ( HELS ) 或特别贷学金 ( SELS ) 下指定受惠子女。
1.4 被提名的受惠子女须已获准进入本地或外国获准之大专学府深造。
2. 如何申请贷学金
2.1 填妥贷学金申请表格。
社员申请表格
贷学金申请表格
2.2 索取及详阅有关贷学金计划的细则及条规。
Study Loan Leaflet
Special Education Loan Scheme Rules
Higher Education Loan Scheme Rules
2.3 呈交贷款索取书及所需文件。
3. 贷款文件
3.1 提呈下列经签证的影印文件 : -
3.1.1 申请人身份证
3.1.2 学生身份证
3.1.3 批准学府之录取函件
3.1.4 学生最后学期考试成绩 ( SPM, STPM, 高中三／统考或其他最高学术成绩)
3.1.5 担保人身份证 (1 位或 3 位)
3.1.6 担保人所得税 J 表格
3.1.7 其他随时需要之文件
交下列文件／ 款项 : -
申请人及学生护照型相片 1 张
贷款手续费 RM200
学生入社股金 RM110
学生保险费
4. 贷款批准及所需文件
4.1 贷款数额由董事会决定。
4.2 贷款申请需约 1 个月时间内处理。
4.3 贷款批准后，申请人会收到本社发出献议书。
4.4 申请人须在两个月内签妥贷款文件
贷款合约(须由申请人及学生签署)
担保书 (须由两名担保人签署)
4.5 若申请者在两个月内无答复，贷款献议将作废。
5. 贷款之发出
5.1 贷款将于申请人呈交贷款文件及缴清款项后发出
5.2 贷款将在学生求学期间分 2 或 3 次发出
6. 利息计算
利息将在贷款发出后计算。
拥有 5 年社龄或以上的贷款社员：
| 第一年 |
第二年至
贷款还清为止 |
| 5.8% |
6.8% |
其他/新社员：
| 第一年 |
第二年至
贷款还清为止 |
| 6.8% |
7.8% |
7. 缴付利息
在某种情况下（视贷款额为定），本社规定贷款社员在求学时期预先缴付利息以减少利息累积，缴付
的利息数额介于RM100-RM300。请参阅下表：-
| 贷款数额 |
须预先按月摊还利息 |
不须预先摊还利息 |
| RM25,000 或以下 |
- |
√ |
| RM30,000 |
√ (课程超过两年) |
√ (课程少过两年) |
| RM35,000 或以上 |
√ |
- |
8. 贷款之摊还
自立合作社之操作原则是汇集社员资源， 以达至互助互惠目标。 希望社员准时摊还贷款以协助本社
在资助其他社员深造。
8.1 学生於毕业 3 个月或 6 个月后即开始摊还的。 最高摊还期不超过 8 年。
8.2 下列分期摊还额可供参考， 惟须视个别贷学金计划及贷款额而定。
大学贷学金计划 (HELS)
第一年 ------------- 每月 RM200 或 RM300
第二年 ------------- 每月 RM300 或 RM400
第三年 ------------- 每月 RM400 或 RM500 或更高额至还清为止。
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MONTHLY REPAYMENT SCHEDULE |
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5.8% - 6.8% Per Annum On Monthly Rest Basis |
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Course Duration: |
1 year |
2 years |
3 years |
| Loan Amount |
Study |
Repayment Period (Years) |
Repayment Period (Years) |
Repayment Period (Years) |
| (RM) |
Period |
4 |
6 |
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10 |
4 |
6 |
8 |
10 |
4 |
6 |
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10 |
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10,000.00 |
- |
258.00 |
N/A |
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N/A |
276.00 |
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N/A |
N/A |
295.00 |
N/A |
N/A |
N/A |
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15,000.00 |
- |
386.00 |
275.00 |
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N/A |
413.00 |
294.00 |
N/A |
N/A |
442.00 |
314.00 |
N/A |
N/A |
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20,000.00 |
- |
515.00 |
366.00 |
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N/A |
551.00 |
392.00 |
313.00 |
N/A |
589.00 |
419.00 |
335.00 |
N/A |
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25,000.00 |
- |
643.00 |
457.00 |
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N/A |
688.00 |
489.00 |
391.00 |
N/A |
737.00 |
524.00 |
418.00 |
N/A |
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30,000.00 |
- |
772.00 |
549.00 |
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373.00 |
826.00 |
587.00 |
469.00 |
399.00 |
N/A |
N/A |
N/A |
N/A |
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30,000.00 * |
170.00 |
716.00 |
509.00 |
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346.00 |
716.00 |
509.00 |
407.00 |
346.00 |
716.00 |
509.00 |
407.00 |
346.00 |
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35,000.00 |
198.33 |
835.00 |
594.00 |
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403.00 |
835.00 |
594.00 |
474.00 |
403.00 |
835.00 |
594.00 |
474.00 |
403.00 |
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40,000.00 |
226.67 |
955.00 |
679.00 |
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461.00 |
955.00 |
679.00 |
542.00 |
461.00 |
955.00 |
679.00 |
542.00 |
461.00 |
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45,000.00 |
255.00 |
1074.00 |
763.00 |
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518.00 |
1074.00 |
763.00 |
610.00 |
518.00 |
1074.00 |
763.00 |
610.00 |
518.00 |
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50,000.00 |
283.33 |
1193.00 |
848.00 |
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576.00 |
1193.00 |
848.00 |
677.00 |
576.00 |
1193.00 |
848.00 |
677.00 |
576.00 |
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6.8% - 7.8% Per Annum On Monthly Rest Basis |
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Course Duration: |
1 year |
2 years |
3 years |
| Loan Amount |
Study |
Repayment Period (Years) |
Repayment Period (Years) |
Repayment Period (Years) |
| (RM) |
Period |
4 |
6 |
8 |
10 |
4 |
6 |
8 |
10 |
4 |
6 |
8 |
10 |
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10,000.00 |
- |
266.00 |
N/A |
N/A |
N/A |
287.00 |
N/A |
N/A |
N/A |
311.00 |
N/A |
N/A |
N/A |
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15,000.00 |
- |
399.00 |
286.00 |
N/A |
N/A |
431.00 |
309.00 |
N/A |
N/A |
466.00 |
334.00 |
N/A |
N/A |
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20,000.00 |
- |
531.00 |
381.00 |
307.00 |
N/A |
574.00 |
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332.00 |
N/A |
621.00 |
445.00 |
358.00 |
N/A |
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25,000.00 |
- |
664.00 |
476.00 |
383.00 |
N/A |
718.00 |
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414.00 |
N/A |
776.00 |
556.00 |
448.00 |
N/A |
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30,000.00 |
- |
797.00 |
571.00 |
460.00 |
394.00 |
861.00 |
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497.00 |
426.00 |
N/A |
N/A |
N/A |
N/A |
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30,000.00 * |
195.00 |
730.00 |
524.00 |
422.00 |
361.00 |
730.00 |
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422.00 |
361.00 |
730.00 |
524.00 |
422.00 |
361.00 |
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35,000.00 |
227.50 |
852.00 |
611.00 |
492.00 |
421.00 |
852.00 |
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492.00 |
421.00 |
852.00 |
611.00 |
492.00 |
421.00 |
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40,000.00 |
260.00 |
973.00 |
698.00 |
562.00 |
482.00 |
973.00 |
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562.00 |
482.00 |
973.00 |
698.00 |
562.00 |
482.00 |
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45,000.00 |
292.50 |
1,095.00 |
785.00 |
632.00 |
542.00 |
1,095.00 |
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632.00 |
542.00 |
1,095.00 |
785.00 |
632.00 |
542.00 |
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50,000.00 |
325.00 |
1,216.00 |
873.00 |
702.00 |
602.00 |
1,216.00 |
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702.00 |
602.00 |
1,216.00 |
873.00 |
702.00 |
602.00 |
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Note: |
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1. The above repayment schedule shall serve as a guideline only. |
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2. For loan amount exceeding RM30,000 and the length of the course of study exceeding 2 years, the loan recipient shall be required to
service monthly interest during study period. * |
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3. The above calculation is based on a lump sum disbursement of loan. The actual repayment amount is subject to change depending on
the mode of loan disbursement. |
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GROUP TERM LIFE & PERSONAL ACCIDENT INSURANCE |
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Scheme |
Higher Education Loan Scheme (HELS) |
Special Education Loan Scheme (SELS) |
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Terms of Coverage |
Hong Leong (Group Term Life) & |
Asia Life: Group Term Life with Personal Accident |
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12 Years |
Multi Purpose (Group PA) |
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Amount Assured (RM) |
18 - 25 Years |
26 - 35 Years |
18 - 25 Years |
26 - 35 Years |
36 - 40 Years |
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10,000 |
143.26 |
172.16 |
133.10 |
159.00 |
282.40 |
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15,000 |
214.88 |
258.23 |
199.65 |
238.50 |
423.60 |
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20,000 |
286.51 |
344.31 |
266.20 |
318.00 |
564.80 |
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25,000 |
376.50 |
448.75 |
332.75 |
397.50 |
706.00 |
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30,000 |
451.80 |
538.50 |
399.30 / 481.80* |
477.00 / 617.70* |
847.20 |
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35,000 |
N/A |
N/A |
465.85 / 562.10* |
556.50 / 720.65* |
988.40 |
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40,000 |
N/A |
N/A |
532.40 / 642.40* |
636.00 / 823.60* |
1,129.60 |
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45,000 |
N/A |
N/A |
598.95 / 722.70* |
715.50 / 926.55* |
1,270.80 |
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50,000 |
N/A |
N/A |
665.50 / 803.00* |
795.00 / 1,029.50* |
1,412.00 |
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| Note : Calculation of age will be based on the age of the student's nearest birthday at the time of application for loan :- |
| 1. 25 years old and less than 6 months, age will be considered as 25 years old. |
| 2. 25 years old and more than 6 months, age will be considered as 26 years old. |
| 3. * Insurance coverage for 15 years |
9. 其他详情
上述资料可视情况修订。欲知详情，请莅临本社查询，地址是
自立合作社
吉隆坡安邦路 163 号马华大厦 11 楼
Koperasi Jayadiri Malaysia Berhad (KOJADI)
11th Floor, Wisma MCA,
163 Jalan Ampang,
50450 Kuala Lumpur. 地图
电话 Tel : 03-2161 6499 (贷款部门)
传真 Fax : 03-2162 1413
电邮 E-mail :
社员部门 : 
贷款部门 : 
办公时间 :
星期一至星期五 : 早上八点三十分 至 下午五点三十分 (8:30am-5:30pm)
星期六，星期日及公共假期 : 休息
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Copyright @ 2012 by Koperasi Jayadiri Malaysia Berhad. All Rights Reserved.
Design and maintain by KOJADI ICT Department. |
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