KOBETA Personal Loan

KOBETA or (Korperasi Bersatu Tenaga Malaysia Berhad) is a corporation that provides personal loan specifically to government staffs and police forces in Malaysia. This corporation provides 2 types of personal loan which is KOBETA Al-Rajhi and KOBETA Cash-i.

0.48% monthly rest interest
Maximum RM 200,000 financing available
Maximum 10 years repayment
Applicants must bee 19 to 58 years old
Opens to any Malaysian employed by Public Sector  and PDRM or any registered entity under Government of Malaysia.

KOBETA Al-Rajhi provides a maximum of RM 200,000 financing with 1 year to maximum of 10 years repayment period. The repayment is done via auto deduction from applicant’s salary via Angkasa program. The maximum deducting should not be more than 60% of your salary.


First of all you must be a government staff or  in PDRM employment to qualify for the loan. Employment for at least 6 months is required. You must be at least 19 years to 58 years old to be able to apply for the loan. You must also be employed at least 6 months to be eligible for the loan.

Documents required

  • 3 copies of your IC front and back that is verified by your employer
  • Latest original latest salary statement and 3 copies of latest 3 months salary statement that is verified by employer
  • 3 copies of Bank Rakyat account statement that contains details of account