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Presently, KOJADI has a total 13 loan schemes under its loan programme to cater for a wide spectrum of education courses ranging from vocational and technical to undergraduate and postgraduate studies.

Below are the various education loan schemes currently implemented by KOJADI:


1. KOJADI Special Education Loan Scheme (SELS)

       This loan scheme is an extension of HELS .It is set up for those member-students who are ineligible to obtain a loan under HELS.

       1.1 KOJADI Vocational Education Loan Scheme (S-VELS)

       1.2 KOJADI Institute Education Loan Scheme (S-JELS)

       1.3 KOJADI Education Loan Scheme for TARC Graduates (S-TAR)

       1.4 KOJADI Education Loan Scheme for Local University Studies (S-LUS)

       1.5 KOJADI Education Loan Scheme for Foreign University Studies (S-FUS)

       1.6 KOJADI Education Loan Scheme for Independent Secondary School Certificate Holders (S-ISS)

       1.7 KOJADI Education Loan Scheme for Early Childhood Education (S-ECE)

       1.8 KOJADI Education Loan Scheme for Overseas Postgraduate Studies (S-OPS)

       1.9 KOJADI Education Loan Scheme for Local Postgraduate Studies (S-LPS)

       1.10 KOJADI Education Loan Scheme for Universiti Tunku Abdul Rahman (S-UTAR)

       1.11 KOJADI Education Loan Scheme For Students of Foundation Programmes (S-PUF)

2. KOJADI Education Loan Scheme for MINOR (ELSM)

       This loan scheme is designed and implemented students below 18 years old for their pursuit of tertiary and vocational education.

3. KOJADI Higher Education Loan Scheme (HELS)

       It was set up immediately after inception of KOJADI in 1981.