Bank Muamalat Personal Financing-i is for public sector staffs in Malaysia. This Loan provides from RM 5,000 up to RM 150,000 of loan. A borrower will have the option of 3 to maximum of 10 years repayment. There are 2 type of loans which is offered to Federal Government and Government link companies and State Government staffs. This loan is Islamic compliant that is based on Murabahah and Tawarruq concept. There are no collateral and guarantor requirement for the loan. Civilian (Public Sector only) Civilian package is only offered to Federal Government, Government link companies and State Government staffs. One can enjoy

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