Study Loans

Malaysian students who study at IUKL can obtain study loans from various government bodies. Being a full-fledged university, IUKL’s programmes are fully approved by the Ministry of Education (MOE) and Malaysian Qualifications Agency (MQA). Most of its programmes also have attained either partial accreditation or full accreditation from MQA.

With this advantage, study loans such as MARA, Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) and financial assistance from the State Foundations are also available to students who choose to study at IUKL.

MAJLIS AMANAH RAKYAT (MARA) or PEOPLE TRUST COUNCIL through its Education Sponsorship Division (BPP) to provide educational loan facilities to all eligible Bumiputera for higher educational trainings and studies at Foundation, Diploma, Bachelor's Degree, Master's Degree, Doctorate, Medical Specialists and Professional certifications levels at any local and international institutions. Offered courses are to accord with MARA advertisements with terms and conditions applied.

Application Process Flow:

  1. STAM will put up an announcement through social media detailing the application dates for MARA TESP and GREP applications
  2. Students can submit an online application at according to the dates from the MARA schedule
  3. Students need to submit the hardcopy of the online application once their application has been approved by MARA
  4. Students need to submit the agreement to MARA within 2 weeks once they have received the agreement online
  5. MARA will release a payment to IUKL Account for the tuition fee
  6. Approximately within 4 weeks, the student or IUKL Bursary will receive a payment from MARA

For more info, log on to

Application Dates for Online Application:

Short Semesters

  1. 1st – 31st March
  2. 1st – 30th April

Long Semester

  1. 1st – 30th June
  2. 1st – 31st July
  3. 1st – 30th November
  4. 1st – 31st December

Application Process Flow:

  1. Open the SSPN Account at any PTPTN counter or online at
  2. Open Saving Account with AmBank Islamic Berhad
  3. Buy PTPTN Pin Number at (BSN) for RM5 or through online.
  4. Students can do an online application at, and apply within a month (30 days)
  5. Agreement approval within 7 days after the closing date
  6. Student need to submit within 14 days to STAM / PTPTN
  7. PTPTN will process within 14 days and AmBank will release the payment
  8. Student & IUKL Bursary will receive the payment
For more information, kindly refer to