Government Soft Study Loan
(PTPK Loan).

Students who can't afford the fee are given the opportunity to apply for a government SOFT STUDY LOAN from PTPK (Perbadanan Tabung Pembangunan Kemahiran). The loan process is handled by MIRAJ Academy on behalf of the student in order to allow the student to focus on their studies.

Terms & Conditions :
  1. Malaysian Citizen between 15 to 45 years old.
  2. Undergoing JPK CERTIFICATE or DIPLOMA courses (level 1to 4).
  3. Household income not exceeding RM5,000.00 a month.

Loan Amount
  1. Loan amount vary between RM2,500.00 to RM24,000.00 depending on the program and training level which includes :
    1. Course fee.
    2. RM300.00 a month for cost of living allowance while undergoing training and also while doing On Job Training.
    3. Insurance premium fee.

Loan Repayment
  1. Loan repayment begins 6 months after graduation.
  2. Loan repayment period are between 1 year to 10 years.


Latar Financial Assistance

Government Sponsorship:
Students who fall under a certain category and fulfill some conditions are eligible for study grant (sponsorship). The availability of such sponsorship will be announced via our website from time to time. The sponsoring agencies include:

  1. Unit Perancangan Ekonomi (EPU)
  2. Kementerian Kemajuan Luar Bandar (KKLW)
  3. Kementerian Belia dan Sukan
  4. FELDA
  5. Pembangunan Sumber Manusia Berhad (PSMB)
  6. PLKB 40