EASY APPLICATION
3 Simple Steps
QUICK APPROVAL
Get what you need, Faster
SHARIAH-ALIGNED
Honest and Transparent
ELIGIBILITY
Exclusively available to civil servants enrolled in the SPGA programme ensuring reliable, automated repayments and competitive financing terms.
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Who can apply?
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Registered with Sistem Potongan
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Gaji Angkasa (SPGA)
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Completed minimum service period
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Meets minimum monthly income threshold
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Active SPGA deduction facility with employer​
With transparent profit rate and tenure, we coordinate directly with your HR to register salary deductions via Angkasa.
3 Easy Steps
01
Submit Your Application
All you need is basic employment and income details. Give us 3 business days to verify your SPGA eligibility and review your financing request.
02
Review Your Offer
Your offer letter will include all the information you need, including transparent profit rate and tenure.
03
Accept Offer Letter
Once you accept your offer letter, funds will be credited—repayments will start automatically next pay cycle.
Frequently Asked Questions
Am I Qualified to Apply?
All Malaysian civil servants registered with SPGA can apply! This includes federal and state government employees, statutory body staff, and selected government-linked agencies can apply. This means, staff of all thirteen state governments—including state civil service, state statutory authorities, and state-owned enterprises—can apply where their respective state participates in the SPGA programme. You typically need a minimum service period, meet an income threshold, and have an active SPGA facility with your employer.
How Does SPGA Deductions Work?
Once you have accepted your offer letter, we register your instalment with Angkasa via your employer's HR. Each payday, the amount is deducted from your grosssalary—just like EPF or SOCSO—and remitted directly to us. No manualtransfers, no missed payments. EASY!
What Shariah Structure is Used?
All contracts are reviewed by Shoraka's Shariah Advisory Board to ensure zero riba and full transparency. All rates and any fees are disclosed fully upfront before disbursement. Our Shariah Board conducts regular audits to maintain ongoing compliance.
