About Us
Eco Creations Sdn Bhd aspires to develop further an end-to-end Shariah-compliant financial ecosystem in Malaysia, providing responsible financing and fair treatment to civil servants. Besides, the company contributes by increasing awareness and knowledge geared towards improved financial literacy of customers in the Islamic Financial Ecosystem.
Shariah Compliant Consumer Finance
Finance all sales of goods (i.e. household appliances, electronics, phones & laptops) via Koperasi ANGKASA Salary Deduction System (SPGA).
*Applicable to all Federal/State civil servants and GLC's employee in Malaysia (including Maljis, Universiti, Lembaga, Bandaraya, Perbadanan)
*Does not factor in External Commitment, CTOS, CCRIS, Blacklist, AKPK (semua layak).
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*Covered by Insurance Takaful Malaysia
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*Konsep Murabaha dan Tawarruq sebagai prinsip kewangan Islamik.
16 Operating
We serve all 13 States and 3 Federal Territories in Malaysia
>12,000 applicants
Approved more than 12,000 applicants nationwide
5 years
We had been in the industry for 5+ years of service and excellence
About SPGA
Badan yang mewakili gerakan Koperasi Malaysia di peringkat kebangsaan dan antarabangsa menurut Akta 502 Akta Koperasi 1993)
ANGKASA Salary Deduction System (SPGA)
The Credit and Banking Division offers salary deduction services for civil servants, co-operatives and organizations through an efficient, systematic and secure deduction channel. This system allows offices/ employers to effectively and efficiently conduct monthly salary deductions, co-operatives/ organizations to collect loan payments and fees while members/ individuals can pay monthly installments of their co-operative loans.
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Customers can register for new deduction instructions or amend/ stop current instructions online. For increased efficiency, salary deduction is integrated with ANGKASA’s Credit Report System and RAM Credit Info (SPeKAR) to assess individual credit levels.
How It Works
Document Submission
Information Required:
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Employer Salary Slip
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Employer Contact Number
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IC Number
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Requirements:
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Aged 18 years & above​
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Salary + Allowance above RM1,500
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Minimum 1 month employment
KYC and Approval Process
2 working days for government data verification and approval
Receive Product
Receive the product and monthly auto repayment via Koperasi ANGKASA SPGA.
Why Choose Us
Obtain Advance Cash in Short Period of Time (up to RM 250k)
Flexible Credit Term Tailored to Client's Requirements (Up to 10 years)
No Collateral or Guarantor Required
No CCRIS or CTOS Credit Score Required. Welcome AKPK/Bankrupt status applicants.
Dedicated Professional
Service
Minimal Turnaround Time