Personal Loan by Bank Rakyat

Bank Rakyat offers many financial services including Personal Financing, if you are looking for personal financing here are some financial packages you can consider.

Well known as an Islamic cooperative bank which was established in 1954 under the Cooperative Ordinance of 1948, following the growth of the cooperative movement in Peninsular Malaysia.

Previously known as Bank Agong or Apex Bank, this financial institution was the result of a merger with 11 union banks. It was then established as a primary channel to collect funds, and distribute financing to cooperatives. Renamed Bank Kerjasama Malaysia Berhad in 1967, the Bank has since extended its membership to individuals as well.

Currently for personal loans Bank Rakyat offer Personal Financing-iAslah for Civil Servant (RakanPintar) & Private. This is to cater to the needs of customers from different work background and easy application.

Customers who apply for Personal Financing-iAslah must fulfil all the criteria’s:

  • Malaysian citizen
  • Minimum age of 18 years and maximum 60 years old at the end of the financing tenure
  • Minimum fixed monthly income of RM1,000 including fixed allowances
  • Public sector employee
  • Have been confirm in current service

Bank Rakyat offers a unique plan under “Personal Financing-iAslah” which is designed specifically for public servants& private in which it offers a lower profit rate with the following benefits:

Features of Personal Financing-iAslah for Public Servants

  • Amount of financing up to RM200,000
  • Financing tenure up to 10 years
  • Financing margin up to 35 times your monthly gross salary
  • No guarantor
  • Takaful coverage are optional
  • No advance payment

Features of Personal Financing-iAslah for Private

  • Amount of financing up to RM150,000
  • Financing tenure up to 10 years
  • Financing margin up to 10 times your monthly gross salary (Salary RM2,000 – RM3,000) and 15 times your monthly gross salary (Salary RM3,001 and above)
  • No guarantor
  • Takaful coverage are optional
  • No advance payment

Negotiation rate offered to employees of companies or cooperatives with certain conditions stated by Bank. Customers can select a preferable payment methodfor Personal Financing-iAslah.

  • Saving/Current Account Deduction (Salary transfer to Bank Rakyat)
  • Documents Required

Please prepare the this documents for Personal Financing-iAslah application:


New Application          

1. Copy of Identity Card / Authority Card (Police / Army)

2. Latest 3 months’ salary slip

3. Latest employer’s confirmation letter

4. Latest three (3) months Bank Statements of salary crediting account


Repeated/Overlap Application 

1. Copy of Identity Card

2. Latest 3 months’ salary slip





PREMIERE: Ex Cops – “The Millionaire”

tumblr_lhvzvko9xi1qaqvluBack in January, I was fortunate enough to be able to bring you the debut of two new songs from Ex Cops, the new project from Brooklyn’s Brian Harding. My good fortune continues, as I’ve now got another one to share, and this…this you’ve got to hear. Recorded just a few nights ago, “The Millionaire” is an absolutely gorgeous ballad, led by warm synths, a steady, muffled beat and an electric guitar that shimmers like the sun reflecting on a dark blue lake. But it’s Harding’s voice that makes this truly special, and the moment you hear him whisper-sing his first line, I’m sure you’ll agree. Prepare to be haunted in the best possible way. 

Ex Cops – “The Millionaire”

Harding is currently wrapping up the White Women EP, which will feature guest vocals from MINKS singer Amalie Bruun. However, there’s talk that this could possibly turn into an album. Time shall tell. For now, enjoy the tunes and, if you’re lucky enough to be attending SXSW this year, don’t miss Ex Cops perform at Swan Dive on Tuesday, March 15th, withGrizzly Bear’s Chris Taylor, who’ll be on hand to do a DJ set. Doors open at 9 p.m.

Amor De Días “Bunhill Fields”


FINALLY. I have been looking forward to the announcement of this record for longer than I care to admit, but alas, the wait is over. Amor De Días, the group formed by The Clientele’s Alasdair MacLean and Lupe Núñez-Fernández of Pipas, just announced their debut album, Street of the Love of Days, which Merge Records will release on May 17th. However, this is hardly just the product of two people. Louis Philippe, whom The Clientele has relied on occasionally for string arrangements, makes an appearance, as do Galaxie 500’s Damon and Naomi, among others. Seems like forever ago that I posted “New Wine”, which you can still hear here, but now Merge has graciously revealed a second track, “Bunhill Fields”. It’s an immensely flavorful and upbeat tune, brimming with horns, strings and Lupe’s gorgeously breathy vocals – proving that the wait was well worth it. Stream or download the song below and preorder your copy on CD or LP from Merge. 

Arielpinks haunted graffiti baby



On August 20th, 4AD will release Mature Themes, the new album from Ariel Pink’s Haunted Graffiti. You can now hear the first single, a cover of Donnie and Joe Emerson’s “Baby” featuring Dām-Funk, below. Head over to Gorilla vs. Bear to hear the original. 

Radiohead – “Give Up The Ghost” Live on Late Night with Jimmy Fallon


With performances on Saturday Night LiveThe Colbert Report and two sold out shows at the Roseland Ballroom,Radiohead has certainly made the most of their journey to New York. To cap it all off, Thom Yorke and Jonny Greenwood stopped by Late Night with Jimmy Fallon last night to perform a gorgeous rendition of “Give Up The Ghost” as R.E.M.’s Michael Stipe looked on. 

Adam Taylor Young – “Apple Tree”


Despite Adam Taylor Young proclaiming that his latest single, “Apple Tree”, is “about all of that summery goodness”, it’s probably just a welcome coincidence that the weather is warming up when he released it yesterday. I say that because Young, whom you might also recognize as the guitarist for the incredible (and incredibly-named) ABADABAD, puts out stunning, summery-sounding pop jams like this year-round. This one’s up there with the best of ‘em too, channeling some sweet David Vandervelde-circa-The-Moonstation-House-Band vibes that can’t be denied. 

OW’s NM M’s – Volume 2

I remembered. Therefore, welcome to the second edition of Octopus Windmill’s New Music Monday’s, aimed at getting you some essential new tunes to start off your week. Check out the mp3’s below and/or go here to download all the songs in one fell swoop.

Malachai – Ugly Side of Love (Domino) 

“Fading World” 

Yeah, I’d never heard of these guys either. But give it a chance and you’ll be happy you know them now. Malachai hails from Bristol, England and borrowed their name from the red-haired kid in the horror film Children of the Corn, which is pretty awesome. Musically, it reminds me of some obscure psych record from the 60s that melts while it spins on your record player. If you buy the record and it actually does that, please call me. And maybe call Robert Ripley too. If the phone keeps ringing, it’s because he’s dead.

Album Out now on Domino


Yeasayer – Odd Blood (Secretly Canadian) “O.N.E.” 

O.n.e. of today’s better live band’s pumps up the jam on their highly-anticipated second album. I’m still trying to make up my mind about the record as a whole. Like their debut, All Hour Symbols, the standout tracks make the non-standout tracks pale in comparison, even though the non-standout’s are far better than a lot of what’s coming out these days. Anyway, “O.N.E.” is o.n.e. of these standout’s. Amsterdam’ers be dam’d if you miss these dudes in March at ParadisoOut 2/09/10 (U.S.) on Secretly Canadian


Caribou – Swim (Merge) 

Instantly my favorite thing I’ve heard from Caribou. You wanna dance? You can dance to this. You wanna chill out? You can chill out to this. You wanna get a cheeseburger? Seriously, I’m craving a cheeseburger and I’m wondering if you’ll go with me. No? Fine. I’ll go by myself and listen to this on the way. Geez.  Out 4/20/10 on Merge



Joanna Newsom – Have One On Me (Drag City) 
GARDEN PARTY! WOO WOO SPRING BREAK 2010!!!! Just kidding. I’m admittedly pretty picky with female vocalists, yet somehow Joanna Newsom, an odd-ball vocalist who plays the harp and is supposedly datingthis guy, steals my heart every time. After her previous album, Ys, it’s nice to hear her so stripped down. I wonder how it’ll mix with the other songs on the not-one, not-two, but three-CD/LP album. I hope her fingers are okay.  Out 2/23/10 on Drag City

Ninjasonik – Somebody Gonna Get Pregnant (?)
“Somebody Gonna Get Pregnant”
Even though I had no idea they were performing, I had the great pleasure of seeing this Brooklyn lo-fi rap/punk trio totally upstage Spank Rock the other night at Paradiso. This doesn’t appear to be out on any official full-length or EP that I can find, but I’m predicting that these self-proclaimed “tight jeans-wearing…” hip hop hipsters will be making a mess of people’s ears in the coming years. Ooh, part of my rap post rhymed. Watch this awesomeness in music video format here.


Micro Niche Finder Review

microwideboxWith the market become more saturated, Micro Niche Finder is one hell of a software to tap into niche market on the internet. This is one of the top keywords research tool used by Internet Marketers to find niche keywords to concentrate on be it if you are a blogger, webmaster ,etc.  There are plenty of keywords tool available in the market however Micro Niche Finder would be top of it.

This is one of my favorite keywords research tools

Click Here to purchase Micro Niche Finder!

What is so special about this software ?

It actually grabs data from Google , Yahoo and actually compiles it in a user friend view and tells you how competitive would a keyword be. It will also generate other related keywords that you may find not competitive. A

s you can see below this would be a simple search for keyword “pasta”. Micro niche finder is able to find other keywords which are related to pasta keyword that you are searching for.  Micro Niche Finder then also displays the Ad cost of the keywords. To check how competitive the keyword would be click on SOC and Micro Niche finder will automatically check how competitive would the keyword be. If you get a green, it is likely that the keyword that you are targeting is not competitive. Be sure to check the monthly traffic so that the keywords have enough searches.


You can purchase Micro Niche Finder using the url below.

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Ladakh muslims , Islam among Tibetan


During the mughal period of India, There were migrations of muslims to buddhist kingdom of Ladakh as Ladakh was conquered. Most of the muslims at Leh, Ladakh comes from Kashmir. Of course sometimes situation are not so relaxed as there may be religious clashes from time to time.

I walked through cold streets of Ladakh to find people to be photographed during an evening. This man was kind enough to give me a go. This man lives behind the Masjid Jamek of Leh. I gave him a postcard from Malaysia.

Indus River

When I was in secondary school, we studied Indus river on history books. It’s the source of the early civilization in the world. I never thought I will visiting thef Indus river someday. This river is huge the source of the river starts from glacier of mountanous Tibet , travelling to Jammu Kashmir to Pakistan, and flows right to Arabian sea.


The great Indus river is at least 1 km below that valley. The surrounding of high altitude Ladakh is just dry and cold. Our driver stopped to let us have a peek at the river.  Millions of people depended on this river to survive.


The kids were playing sands, nothing much while their parents are working to fix the roads. The condition is not so good, it’s very hot and dusty. They were really happy to be photographed by us


The typical long highway across the plains


Mountainous Himalayas , always cold and tiring but peaceful