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Yayasan Sarawak
Sarawak Crest

Loan Repayment

Yayasan Sarawak reserves the right to take legal action against borrowers’ who fails to repay loans within their scheduled period. Their names will also be listed on CTOS as Hardcore Debtors. Yayasan Sarawak has the right to share borrowers’ information to the Credit Rating Agency if a borrower fails to repay after issuing the final reminder.

NOTE: Please refer to the Repayment Notice or contact the Repayment Section at 082-441686.

Objective
  • Student to be responsible and accountable for their loans.
Grace Period
  • Skim Pinjaman Latihan Teknikal (PTK) – 6 months after completion of studies
  • Skim Pinjaman Pelajaran (dalam negara) – 12 months after completion of studies
  • Skim Pinjaman Pelajaran (luar negara) – 6 months after completion of studies
Payment method
    • Yayasan Sarawak’s Counter: Wisma Adenan, Level 1, Jalan Sultan Tengah, Kuching
    • Bank Simpanan Nasional Counter: Please provide your full name, Identification Card (IC) number, loan reference number and the name of your Education Loan Scheme.
    • Bank Simpanan Nasional Registered Agent (EB BSN): Please provide your full name, Identification Card (IC) number, and telephone number name. (The RM 1 service charge incurred for each transaction will be borne by borrower own self).
    • Salary Deduction (Allotment): Borrowers to deal directly with their Head of Departments / employers for salary deductions. Details to be submitted to Yayasan Sarawak OR email : ys@yayasansarawak.org.my OR fax : 082-441686
    • Payment through withdrawal of KWSP (Account 2)
    • AVOID PAYMENT VIA CASH DEPOSIT MACHINES
    • Online Payment via:

      CIMB Bank > Click Pay Bills > Search Yayasan Sarawak > Enter Borrower’s Full Name and MyKad No. > Enter Amount

      Maybank2u > Click Bill Payment > Make One-Off Payment > Select List – Education and Education Loan > Select Yayasan Sarawak > Enter Borrower’s MyKad No. & Full Name > Enter Amount

      RHB Bank > Click BillPay > Other Billers > Search Yayasan Sarawak > Enter Borrower’s MyKad No. & Full Name > Enter Amount

Payment via JomPAY CIMB Bank (Biller Code: 7773):
Payment can be made via Online Banking websites and mobile phone Application through Current Account, Saving Account or Credit Card (ATTENTION: payment via credit card will incur service charge which will be borne by borrower own self).

Biller Code: 7773
Ref-1 : < Borrower’s MyKad Number >
Ref-2 : < Borrower’s Phone Number or Email >

***Borrowers’ are advised to keep track of their own repayment by keeping a copy of their payment receipt.
***Borrowers’ are also advised to update the Repayment Section on their current telephone number, e-mail and address.

Objective
  • To reward students who achieve academic excellence.
Incentives
    • Borrowers’ are eligible to apply for incentives based on consistency in repayment and subject to the terms and conditions as follows:

      • Skim Pinjaman Pelajaran (dalam negara)
        • 75% incentive: CGPA 3.50 & above
        • 50% incentive: CGPA 3.00 – 3.49 OR Medical students who successfully complete their studies OR Postgraduate research students who successfully complete their studies
      • Skim Pinjaman Pelajaran (luar negara)
        • 25% incentive: Bachelor’s Degree with First Class Honours OR Medical students who successfully completed their studies
      • Skim Pinjaman Latihan Teknikal (PTK)
        • 50% incentive to students who successfully completed their studies
      • Skim Biasiswa Pinjaman Foundation in Engineering
        • 50% incentive to students who successfully completed their studies and continue pursuing a Bachelor’s Degree in Engineering (for Bumiputra students only)
      • Skim Pinjaman Program Penerbangan
        • 25% incentive to students who successfully completed their studies

  • Lump Sum Loan Payment
    • 25% of the outstanding balances subject to completion of their studies
    • Within the repayment period

* Borrowers’ are to submit written application and emailed to ys@yayasansarawak.org.my OR faxed to 082-440035 OR sent to:

YAYASAN SARAWAK
WISMA ADENAN,
JALAN SULTAN TENGAH, PETRA JAYA,
93050 
KUCHING, SARAWAK.

and provide the Repayment Section with a copy of their Graduation Certificate and Academic Transcript for reference.

* Yayasan Sarawak has the right to withdraw incentive given if payment is not made within scheduled period.
* Borrowers’ are to pay lump sum if studies are not completed.