{"id":22523,"date":"2026-10-14T13:07:54","date_gmt":"2026-10-14T05:07:54","guid":{"rendered":"https:\/\/appnicorn.com\/?page_id=22523"},"modified":"2026-10-23T17:51:37","modified_gmt":"2026-10-23T09:51:37","slug":"loan-lending-module","status":"publish","type":"page","link":"https:\/\/appnicorn.com\/ms\/apes\/loan-lending-module\/","title":{"rendered":"Sistem Pinjaman KPKT"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"22523\" class=\"elementor elementor-22523\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a49d2b5 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a49d2b5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-688ec28\" data-id=\"688ec28\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-791ec06 elementor-widget elementor-widget-html\" data-id=\"791ec06\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div id=\"apes-lend\">\n<style>\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Inter:wght@400;500;600;700;800&display=swap');\n#apes-lend{\n  --navy:#003a5f; --navy-deep:#00253d; --blue:#0a64c8; --sky:#08A2FF;\n  --ink:#0f1b2d; --text:#3a4658; --muted:#6a7687; --line:#e4e9f0; --tint:#f4f8fc; --white:#fff;\n  --red:#c0263d; --red-soft:#fdecef; --green:#15803d; --green-soft:#e7f6ec;\n  --grad:linear-gradient(135deg,#0a4fa0 0%,#0a72cc 100%);\n  --shadow-sm:0 1px 2px rgba(15,27,45,.05),0 4px 14px rgba(15,27,45,.06);\n  --shadow-md:0 2px 4px rgba(15,27,45,.05),0 14px 34px rgba(15,27,45,.10);\n  font-family:'Inter',Arial,Helvetica,sans-serif; color:var(--text); font-size:16px; line-height:1.65;\n  -webkit-font-smoothing:antialiased; box-sizing:border-box; overflow-x:hidden; background:#fff;\n}\n#apes-lend *,#apes-lend *::before,#apes-lend *::after{ box-sizing:inherit; }\n#apes-lend h1,#apes-lend h2,#apes-lend h3,#apes-lend p,#apes-lend ul,#apes-lend ol{ margin:0; padding:0; }\n#apes-lend ul,#apes-lend ol{ list-style:none; }\n#apes-lend img{ max-width:100%; height:auto; display:block; }\n#apes-lend a{ text-decoration:none; }\n#apes-lend .w{ max-width:1160px; margin:0 auto; padding:0 24px; }\n#apes-lend section{ padding:88px 0; }\n#apes-lend .tint{ background:var(--tint); }\n#apes-lend .eyebrow{ display:inline-flex; align-items:center; gap:8px; font-size:13px; font-weight:700; letter-spacing:.09em; text-transform:uppercase; color:var(--blue); background:#e9f3ff; border-radius:999px; padding:7px 16px; }\n#apes-lend .eyebrow::before{ content:\"\"; width:7px; height:7px; border-radius:50%; background:var(--sky); }\n#apes-lend .h2{ font-size:40px; font-weight:800; line-height:1.12; letter-spacing:-.025em; color:var(--ink); margin-top:18px; }\n#apes-lend .lead{ font-size:18px; max-width:760px; margin:16px auto 0; }\n#apes-lend .head{ text-align:center; margin-bottom:46px; }\n#apes-lend .grad{ background:var(--grad); -webkit-background-clip:text; background-clip:text; color:transparent; -webkit-text-fill-color:transparent; }\n#apes-lend .btn{ display:inline-flex; align-items:center; gap:10px; font-size:17px; font-weight:700; color:#fff; background:var(--grad); border-radius:999px; padding:16px 32px; box-shadow:0 10px 26px rgba(10,100,200,.32); transition:transform .25s, box-shadow .25s; }\n#apes-lend .btn::after{ content:\"\\2192\"; transition:transform .25s; }\n#apes-lend .btn:hover{ transform:translateY(-3px); color:#fff; box-shadow:0 16px 34px rgba(10,100,200,.4); }\n#apes-lend .btn:hover::after{ transform:translateX(4px); }\n#apes-lend .btn-ghost{ display:inline-flex; align-items:center; font-size:17px; font-weight:700; color:#fff; border:2px solid rgba(255,255,255,.45); border-radius:999px; padding:14px 28px; }\n#apes-lend .btn-ghost:hover{ border-color:#fff; color:#fff; }\n#apes-lend .note{ font-size:13px; color:var(--muted); font-style:italic; }\n\n\/* hero *\/\n#apes-lend .hero{ background:radial-gradient(ellipse at 15% 10%,#0f4a78 0%,#00253d 55%,#001a2c 100%); color:#d6e4f2; padding:96px 0 90px; }\n#apes-lend .hero-grid{ display:grid; grid-template-columns:1.15fr .85fr; gap:56px; align-items:center; }\n#apes-lend .hero .eyebrow{ background:rgba(8,162,255,.14); color:#7cc8ff; }\n#apes-lend .hero h1{ font-size:52px; font-weight:800; line-height:1.06; letter-spacing:-.03em; color:#fff; margin-top:20px; }\n#apes-lend .hero h1 span{ color:var(--sky); }\n#apes-lend .hero .sub{ font-size:19px; margin-top:22px; max-width:580px; }\n#apes-lend .hero .ctas{ display:flex; flex-wrap:wrap; gap:14px; margin-top:34px; }\n#apes-lend .chips{ display:flex; flex-wrap:wrap; gap:10px; margin-top:34px; }\n#apes-lend .chip{ font-size:14px; font-weight:600; color:#cfe6ff; background:rgba(255,255,255,.08); border:1px solid rgba(255,255,255,.14); border-radius:999px; padding:7px 14px; }\n#apes-lend .phone{ position:relative; max-width:330px; margin:0 auto; border-radius:36px; background:#0b0f16; padding:12px; box-shadow:0 40px 80px rgba(0,0,0,.5); }\n#apes-lend .screen{ background:#fff; border-radius:26px; padding:22px 20px 20px; color:var(--ink); font-size:14px; }\n#apes-lend .screen .top{ display:flex; justify-content:space-between; align-items:center; font-weight:700; font-size:15px; }\n#apes-lend .screen .top i{ font-style:normal; font-size:11px; font-weight:700; color:var(--blue); background:#e8f2fd; border-radius:999px; padding:3px 9px; }\n#apes-lend .screen .fld{ margin-top:14px; }\n#apes-lend .screen .fld small{ display:block; font-size:12px; color:#6b7686; margin-bottom:5px; }\n#apes-lend .screen .fld div{ border:1px solid var(--line); border-radius:10px; padding:10px 12px; font-weight:600; }\n#apes-lend .screen .rows{ margin-top:16px; border-top:1px solid var(--line); }\n#apes-lend .screen .rows p{ display:flex; justify-content:space-between; font-size:13px; color:#4a5668; padding:8px 0; border-bottom:1px solid var(--line); margin:0; }\n#apes-lend .screen .rows p b{ color:var(--ink); }\n#apes-lend .screen .tot{ display:flex; justify-content:space-between; margin-top:12px; font-weight:800; font-size:16px; }\n#apes-lend .screen .go{ margin-top:16px; background:var(--blue); color:#fff; text-align:center; border-radius:12px; padding:12px; font-weight:700; }\n#apes-lend .notice{ background:#fff7e6; border-bottom:1px solid #f5d9a8; color:#7a4b00; font-size:15px; font-weight:600; text-align:center; padding:14px 16px; }\n#apes-lend .screen .note{ margin-top:10px; text-align:center; font-size:11px; color:#8a94a3; font-style:italic; }\n#apes-lend .float{ position:absolute; background:#fff; color:var(--ink); border-radius:16px; padding:12px 16px; box-shadow:var(--shadow-md); font-size:14px; font-weight:600; line-height:1.3; }\n#apes-lend .float b{ display:block; font-size:20px; font-weight:800; }\n#apes-lend .f1{ left:-80px; top:-46px; }\n#apes-lend .f2{ right:-50px; bottom:-44px; }\n#apes-lend .f2 b{ color:var(--green); }\n\n\/* pain cards *\/\n#apes-lend .grid4{ display:grid; grid-template-columns:repeat(4,1fr); gap:20px; }\n#apes-lend .card{ background:#fff; border:1px solid var(--line); border-radius:20px; padding:26px; box-shadow:var(--shadow-sm); }\n#apes-lend .card h3{ font-size:19px; font-weight:700; color:var(--ink); line-height:1.25; margin:14px 0 8px; }\n#apes-lend .card .cost{ margin-top:14px; font-size:14px; font-weight:700; color:var(--red); }\n#apes-lend .ico{ width:44px; height:44px; border-radius:12px; background:var(--red-soft); color:var(--red); display:flex; align-items:center; justify-content:center; font-size:22px; }\n\n\/* before after *\/\n#apes-lend .ba{ display:grid; grid-template-columns:1fr 1fr; gap:22px; }\n#apes-lend .ba-col{ border-radius:22px; padding:30px; }\n#apes-lend .ba-before{ background:var(--red-soft); }\n#apes-lend .ba-after{ background:var(--green-soft); }\n#apes-lend .ba-tag{ display:inline-block; font-size:13px; font-weight:800; letter-spacing:.12em; color:#fff; border-radius:999px; padding:6px 14px; }\n#apes-lend .ba-before .ba-tag{ background:var(--red); }\n#apes-lend .ba-after .ba-tag{ background:var(--green); }\n#apes-lend .ba-col li{ position:relative; padding-left:28px; margin-top:14px; color:var(--ink); font-weight:500; }\n#apes-lend .ba-before li::before{ content:\"\\2715\"; position:absolute; left:0; color:var(--red); font-weight:800; }\n#apes-lend .ba-after li::before{ content:\"\\2713\"; position:absolute; left:0; color:var(--green); font-weight:800; }\n\n\/* journey *\/\n#apes-lend .steps{ display:grid; grid-template-columns:repeat(4,1fr); gap:18px; counter-reset:s; }\n#apes-lend .step{ background:#fff; border:1px solid var(--line); border-radius:18px; padding:22px; position:relative; }\n#apes-lend .step::before{ counter-increment:s; content:counter(s); width:34px; height:34px; border-radius:50%; background:var(--grad); color:#fff; font-weight:800; display:flex; align-items:center; justify-content:center; font-size:15px; }\n#apes-lend .step h3{ font-size:17px; font-weight:700; color:var(--ink); margin:12px 0 6px; }\n#apes-lend .step p{ font-size:15px; }\n\n\/* showcase *\/\n#apes-lend .show{ display:grid; grid-template-columns:1fr 1fr 1fr; gap:26px; }\n#apes-lend .shot{ background:#fff; border:1px solid var(--line); border-radius:20px; padding:30px 26px; box-shadow:var(--shadow-sm); text-align:left; }\n#apes-lend .shot .ico{ background:#e8f2fd; color:var(--blue); }\n#apes-lend .shot h3{ font-size:18px; font-weight:700; color:var(--ink); margin-top:18px; }\n#apes-lend .shot p{ font-size:15px; margin-top:6px; }\n#apes-lend .ctrl{ display:grid; grid-template-columns:1fr 1fr; gap:46px; align-items:center; margin-top:80px; }\n#apes-lend .panel{ background:#fff; border:1px solid var(--line); border-radius:20px; padding:26px; box-shadow:var(--shadow-md); }\n#apes-lend .panel .ph{ font-size:13px; font-weight:800; letter-spacing:.12em; color:var(--blue); margin-bottom:8px; }\n#apes-lend .panel .opt{ display:flex; justify-content:space-between; align-items:center; gap:12px; padding:13px 0; border-bottom:1px solid var(--line); font-size:15px; color:var(--ink); font-weight:500; }\n#apes-lend .panel .opt:last-of-type{ border-bottom:0; }\n#apes-lend .panel .val{ flex:none; font-size:13px; font-weight:700; border-radius:999px; padding:5px 12px; background:#eef3f8; color:#334155; }\n#apes-lend .panel .val.on{ background:var(--green-soft); color:var(--green); }\n#apes-lend .panel .log{ margin-top:14px; background:#f6f8fb; border-radius:12px; padding:12px 14px; font-size:13px; color:#4a5668; }\n#apes-lend .ticks li{ position:relative; padding-left:30px; margin-top:12px; }\n#apes-lend .ticks li::before{ content:\"\\2713\"; position:absolute; left:0; top:0; color:var(--blue); font-weight:800; }\n#apes-lend .ctrl h3{ font-size:28px; font-weight:800; color:var(--ink); letter-spacing:-.02em; line-height:1.15; }\n\n\/* rules *\/\n#apes-lend .rules{ display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }\n#apes-lend .rule{ background:var(--navy-deep); color:#cfe0f0; border-radius:20px; padding:26px; }\n#apes-lend .rule b{ display:block; font-size:38px; font-weight:800; color:#fff; letter-spacing:-.02em; }\n#apes-lend .rule span{ font-size:15px; }\n#apes-lend .regs{ display:flex; flex-wrap:wrap; justify-content:center; gap:10px; margin-top:34px; }\n#apes-lend .reg{ background:#fff; border:1px solid var(--line); border-radius:999px; padding:9px 18px; font-size:15px; font-weight:600; color:var(--ink); }\n\n\/* outcomes *\/\n#apes-lend .grid3{ display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }\n#apes-lend .out{ border-radius:20px; padding:30px; background:#fff; border:1px solid var(--line); box-shadow:var(--shadow-sm); }\n#apes-lend .out .k{ font-size:13px; font-weight:800; letter-spacing:.12em; color:var(--blue); }\n#apes-lend .out h3{ font-size:22px; font-weight:800; color:var(--ink); margin:10px 0 10px; line-height:1.2; }\n\n\/* start *\/\n#apes-lend .start{ display:grid; grid-template-columns:1.1fr .9fr; gap:40px; align-items:center; background:#fff; border:1px solid var(--line); border-radius:26px; padding:44px; box-shadow:var(--shadow-sm); }\n#apes-lend .start h2{ font-size:32px; font-weight:800; color:var(--ink); letter-spacing:-.02em; line-height:1.15; }\n#apes-lend .start ol li{ display:flex; gap:14px; margin-top:16px; align-items:flex-start; }\n#apes-lend .start ol li i{ font-style:normal; flex:0 0 30px; height:30px; border-radius:50%; background:#e9f3ff; color:var(--blue); font-weight:800; display:flex; align-items:center; justify-content:center; font-size:14px; }\n\n\/* faq *\/\n#apes-lend .faq{ max-width:820px; margin:0 auto; }\n#apes-lend details{ background:#fff; border:1px solid var(--line); border-radius:16px; padding:20px 24px; margin-bottom:12px; }\n#apes-lend summary{ cursor:pointer; font-weight:700; color:var(--ink); font-size:17px; list-style:none; display:flex; justify-content:space-between; gap:16px; }\n#apes-lend summary::-webkit-details-marker{ display:none; }\n#apes-lend summary::after{ content:\"+\"; color:var(--blue); font-size:22px; line-height:1; }\n#apes-lend details[open] summary::after{ content:\"\\2212\"; }\n#apes-lend details p{ margin-top:12px; }\n\n\/* final *\/\n#apes-lend .final{ background:linear-gradient(160deg,#003a5f 0%,#00253d 100%); color:#e8f3ff; text-align:center; padding:90px 0; }\n#apes-lend .final h2{ font-size:42px; font-weight:800; color:#fff; letter-spacing:-.025em; line-height:1.1; }\n#apes-lend .final p{ font-size:19px; max-width:680px; margin:18px auto 30px; }\n#apes-lend .final .btn{ background:#fff; color:var(--navy-deep); box-shadow:0 12px 30px rgba(0,0,0,.18); }\n#apes-lend .final .btn:hover{ color:var(--navy-deep); }\n#apes-lend .final .small{ font-size:14px; margin-top:22px; opacity:.85; }\n\n@media (max-width:980px){\n  #apes-lend .hero-grid,#apes-lend .ctrl,#apes-lend .start,#apes-lend .ba{ grid-template-columns:1fr; }\n  #apes-lend .grid4,#apes-lend .steps,#apes-lend .rules{ grid-template-columns:1fr 1fr; }\n  #apes-lend .grid3,#apes-lend .show{ grid-template-columns:1fr; }\n  #apes-lend .f1{ left:-10px; } #apes-lend .f2{ right:-10px; }\n}\n@media (max-width:600px){\n  #apes-lend section{ padding:64px 0; }\n  #apes-lend .w{ padding:0 16px; }\n  #apes-lend .hero{ padding:64px 0; }\n  #apes-lend .hero h1{ font-size:36px; }\n  #apes-lend .h2,#apes-lend .final h2{ font-size:30px; }\n  #apes-lend .grid4,#apes-lend .steps,#apes-lend .rules{ grid-template-columns:1fr; }\n  #apes-lend .start{ padding:28px 22px; }\n  #apes-lend .float{ display:none; }\n  #apes-lend .show,#apes-lend .ctrl{ grid-template-columns:1fr; }\n  #apes-lend .ctrl{ gap:30px; margin-top:40px; }\n}\n<\/style>\n\n<div class=\"notice\">Appnicorn is a software company. We don't lend money or arrange loans. APES is software for KPKT-licensed moneylenders to run their own lending business.<\/div>\n\n<!-- HERO -->\n<section class=\"hero\">\n <div class=\"w hero-grid\">\n  <div>\n   <span class=\"eyebrow\">Untuk syarikat pemberi pinjam wang berlesen KPKT<\/span>\n   <h1 class=\" translation-block\">Buku pinjaman dan daftar KPKT anda, <span>di satu tempat.<\/span><\/h1>\n   <p class=\"sub\">Setiap pinjaman, resit dan daftar datang daripada rekod yang sama. Anda tidak perlu lagi membina semula daftar sebelum pemeriksaan, dan anda dapat melihat pinjaman tertunggak sebelum ia merugikan anda.<\/p>\n   <div class=\"ctas\">\n    <a class=\"btn\" href=\"https:\/\/appnicorn.com\/ms\/contact\/\" data-cta=\"lend-hero\">Hubungi Kami<\/a>\n    <a class=\"btn-ghost\" href=\"#lend-how\">Lihat bagaimana satu pinjaman berjalan<\/a>\n   <\/div>\n   <div class=\"chips\">\n    <span class=\"chip\">Lampiran A, B and B1<\/span>\n    <span class=\"chip\">Borang J<\/span>\n    <span class=\"chip\">Resit untuk setiap bayaran balik<\/span>\n    <span class=\"chip\">Aplikasi peminjam dalam BM dan Inggeris<\/span>\n   <\/div>\n  <\/div>\n  <div style=\"position:relative\">\n   <div class=\"phone\" role=\"img\" aria-label=\"Ilustrasi skrin buku pinjaman syarikat pemberi pinjam wang dengan angka contoh\"><div class=\"screen\">\n    <div class=\"top\">Loan book <i>Lender view<\/i><\/div>\n    <div class=\"rows\">\n     <p>Active loans<b>312<\/b><\/p>\n     <p>Overdue, collection case open<b>9<\/b><\/p>\n     <p>Repayments received today<b>41<\/b><\/p>\n     <p>Receipts issued today<b>41<\/b><\/p>\n     <p>Applications waiting for decision<b>6<\/b><\/p>\n     <p>Lampiran A<b style=\"color:var(--green)\">&#10003; Up to date<\/b><\/p>\n    <\/div>\n    <div class=\"go\">Open collections<\/div>\n    <div class=\"note\">Sample figures for illustration<\/div>\n   <\/div><\/div>\n   <div class=\"float f1\"><b>12% \/ 18%<\/b>Had kadar faedah disemak pada setiap pinjaman<\/div>\n   <div class=\"float f2\"><b>&#10003; Receipted<\/b>Setiap bayaran balik, daripada satu lejar<\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- PAIN -->\n<section>\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">Di Mana Masalah Berlaku<\/span>\n   <h2 class=\"h2\">Memberi pinjaman itu bahagian yang mudah.<br><span class=\"grad\">Kerja dokumen itulah yang menyebabkan anda rugi.<\/span><\/h2>\n   <p class=\"lead\">Kebanyakan syarikat pemberi pinjam wang berlesen menjalankan dua dunia: hamparan pinjaman, dan longgokan daftar, perjanjian yang diimbas, buku resit serta sembang WhatsApp. Kedua-duanya semakin tidak sepadan. Anda mengetahuinya pada saat yang paling teruk.<\/p>\n  <\/div>\n  <div class=\"grid4\">\n   <div class=\"card\"><div class=\"ico\">&#9888;<\/div><h3>Resit yang tidak sepadan<\/h3><p>Satu bayaran balik dimasukkan ke dalam lejar, tetapi resitnya lewat, tiada atau difailkan di bawah nama yang salah.<\/p><p class=\"cost\">Kos kepada anda: dapatan semasa pemeriksaan<\/p><\/div>\n   <div class=\"card\"><div class=\"ico\">&#8635;<\/div><h3>Daftar dibina semula secara manual<\/h3><p>Sebelum setiap tarikh akhir, kakitangan menghabiskan beberapa hari menyalin pinjaman ke dalam Lampiran A dan penyata tahunan.<\/p><p class=\"cost\">Kos kepada anda: masa kakitangan, setiap tahun<\/p><\/div>\n   <div class=\"card\"><div class=\"ico\">&#9201;<\/div><h3>Pinjaman tertunggak disedari lewat<\/h3><p>Tiada sesiapa menjejaki ansuran yang terlepas sehingga ia menjadi masalah sebenar.<\/p><p class=\"cost\">Kos kepada anda: wang tunai yang sepatutnya anda kutip<\/p><\/div>\n   <div class=\"card\"><div class=\"ico\">&#9993;<\/div><h3>Aduan tanpa rekod<\/h3><p>Seorang peminjam membuat aduan melalui WhatsApp dan mendapat jawapan, tetapi tiada rekod tentang berapa lama masa yang diambil.<\/p><p class=\"cost\">Kos kepada anda: risiko kepada lesen anda<\/p><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- BEFORE \/ AFTER -->\n<section class=\"tint\">\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">Sebelum dan selepas<\/span>\n   <h2 class=\"h2 translation-block\">Satu set rekod. <span class=\"grad\">Segala-galanya yang lain bermula daripadanya.<\/span><\/h2>\n  <\/div>\n  <div class=\"ba\">\n   <div class=\"ba-col ba-before\"><span class=\"ba-tag\">Sebelum<\/span>\n    <ul>\n     <li>Pinjaman dalam hamparan, daftar dalam fail lain<\/li>\n     <li>Buku resit ditulis tangan<\/li>\n     <li>Perjanjian diimbas ke dalam folder kongsi<\/li>\n     <li>Kadar dan fi ditaip oleh sesiapa sahaja yang bertugas di kaunter<\/li>\n     <li>Penyata tahunan disusun pada minggu ia perlu dihantar<\/li>\n    <\/ul><\/div>\n   <div class=\"ba-col ba-after\"><span class=\"ba-tag\">Dengan APES<\/span>\n    <ul>\n     <li>Buku pinjaman dan daftar berkanun dibina daripada data pinjaman yang sama<\/li>\n     <li>Resit dikeluarkan untuk setiap bayaran balik, dipadankan dengan lejar<\/li>\n     <li>Status menandatangani perjanjian bagi setiap pinjaman pada satu halaman<\/li>\n     <li>Kadar dan fi diambil daripada produk pinjaman anda, dalam had undang-undang<\/li>\n     <li>Penyata tahunan disediakan muka surat demi muka surat daripada rekod anda<\/li>\n    <\/ul><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- HOW A LOAN RUNS -->\n<section id=\"lend-how\">\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">Bagaimana satu pinjaman berjalan<\/span>\n   <h2 class=\"h2 translation-block\">Dari permohonan hingga penyata tahunan, <span class=\"grad\">satu perjalanan.<\/span><\/h2>\n   <p class=\"lead\">Anda yang menentukan langkah yang perlu dilalui oleh peminjam anda. Setiap langkah meninggalkan rekod tentang siapa melakukan apa, dan bila.<\/p>\n  <\/div>\n  <div class=\"steps\">\n   <div class=\"step\"><h3>Permohonan<\/h3><p>Peminjam menyemak angka dalam kalkulator, kemudian memohon melalui telefon dalam Bahasa Malaysia atau Inggeris.<\/p><\/div>\n   <div class=\"step\"><h3>Semakan<\/h3><p>Semakan identiti dan kredit terdapat dalam permohonan, jadi pasukan anda menyemak segala-galanya di satu tempat.<\/p><\/div>\n   <div class=\"step\"><h3>Keputusan<\/h3><p>Pengurus pinjaman meluluskan dengan satu nota. Jika melebihi had anda, pelulus kedua turut meluluskannya.<\/p><\/div>\n   <div class=\"step\"><h3>Tawaran dan perakuan<\/h3><p>Peminjam melihat angka penuh, menerima tawaran, dan mengesahkan notis perakuan pada telefon mereka.<\/p><\/div>\n   <div class=\"step\"><h3>Menandatangani<\/h3><p>Perjanjian ditandatangani mengikut urutan tetap: peminjam, pengaku, kemudian pengarah syarikat anda.<\/p><\/div>\n   <div class=\"step\"><h3>Pengeluaran pinjaman<\/h3><p>Wang hanya dikeluarkan selepas perjanjian dilaksanakan, dengan senarai semak dan rekod bagi setiap pindahan.<\/p><\/div>\n   <div class=\"step\"><h3>Kutipan<\/h3><p>Ansuran, resit, penyata dan peringatan. Pinjaman yang tertunggak akan membuka kes kutipan dengan sendirinya.<\/p><\/div>\n   <div class=\"step\"><h3>Pelaporan<\/h3><p>Lampiran A, penyata tahunan (Lampiran B dan B1) dan laporan untuk mana-mana tempoh, dengan eksport CSV.<\/p><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- SHOWCASE -->\n<section class=\"tint\">\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">Apa yang ia lakukan<\/span>\n   <h2 class=\"h2 translation-block\">Peminjam anda mendapat aplikasi. <span class=\"grad\">Pasukan anda mendapat kawalan.<\/span><\/h2>\n   <p class=\"lead\">Peminjam melihat angka yang jelas dan setiap langkah. Pasukan anda melihat setiap pinjaman, keputusan dan perubahan.<\/p>\n  <\/div>\n  <div class=\"show\">\n   <div class=\"shot\"><div class=\"ico\">&#129518;<\/div><h3>Angka yang jelas sejak awal<\/h3><p>Ansuran, faedah, duti setem, fi dan jumlah yang diterima, sebelum peminjam memohon.<\/p><\/div>\n   <div class=\"shot\"><div class=\"ico\">&#128196;<\/div><h3>Tawaran, secara penuh<\/h3><p>Angka yang sama seperti yang diluluskan oleh pasukan anda, dibekukan pada saat peminjam menerima tawaran.<\/p><\/div>\n   <div class=\"shot\"><div class=\"ico\">&#9989;<\/div><h3>Perakuan direkodkan<\/h3><p>Notis, video rakaman sendiri yang pilihan dan pengakuan peminjam, disimpan bersama pinjaman.<\/p><\/div>\n  <\/div>\n  <div class=\"ctrl\">\n   <div class=\"panel\" role=\"img\" aria-label=\"Illustration of the lender's borrower journey settings\">\n    <div class=\"ph\">BORROWER JOURNEY SETTINGS<\/div>\n    <div class=\"opt\">Attestation before the agreement<span class=\"val on\">Required<\/span><\/div>\n    <div class=\"opt\">Attestation video<span class=\"val\">Optional<\/span><\/div>\n    <div class=\"opt\">Auto-debit mandate<span class=\"val\">Off<\/span><\/div>\n    <div class=\"opt\">Offer stays open for<span class=\"val\">14 days<\/span><\/div>\n    <div class=\"opt\">Second approver above<span class=\"val\">RM 10,000<\/span><\/div>\n    <div class=\"log\">Changed by Loan manager, with reason: &ldquo;Larger loans need a second look.&rdquo;<\/div>\n   <\/div>\n   <div>\n    <h3>Anda yang menetapkan peraturan. Setiap perubahan disimpan.<\/h3>\n    <ul class=\"ticks\">\n     <li>Produk pinjaman, fi dan had pemberian pinjaman anda, tidak pernah melebihi apa yang dibenarkan oleh undang-undang<\/li>\n     <li>Langkah peminjam yang mana wajib, pilihan atau dimatikan<\/li>\n     <li>Tempoh sesuatu tawaran kekal terbuka, dan jumlah yang memerlukan pelulus kedua<\/li>\n     <li>Orang yang merekodkan permohonan tidak meluluskannya, melainkan anda memilih sebaliknya<\/li>\n     <li>Setiap perubahan penyediaan direkodkan beserta sebabnya. Tiada apa-apa yang disunting secara senyap<\/li>\n    <\/ul>\n   <\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- RULES -->\n<section>\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">Dibina berdasarkan Akta Pemberi Pinjam Wang<\/span>\n   <h2 class=\"h2\">Peraturan disemak. <span class=\"grad\">pada setiap pinjaman.<\/span><\/h2>\n   <p class=\"lead\">APES direka berdasarkan Akta Pemberi Pinjam Wang 1951 dan Peraturan-Peraturan Pemberi Pinjam Wang 2003, jadi pinjaman yang melebihi had tidak boleh diluluskan sama sekali.<\/p>\n  <\/div>\n  <div class=\"rules\">\n   <div class=\"rule\"><b>12%<\/b><span>Had setahun bagi pinjaman bercagar<\/span><\/div>\n   <div class=\"rule\"><b>18%<\/b><span>Had setahun bagi pinjaman tanpa cagaran<\/span><\/div>\n   <div class=\"rule\"><b>8%<\/b><span>Had setahun bagi caj lewat bayar<\/span><\/div>\n   <div class=\"rule\"><b>&le; 100%<\/b><span>Faedah tidak pernah melebihi jumlah yang dipinjamkan<\/span><\/div>\n  <\/div>\n  <div class=\"regs\">\n   <span class=\"reg\">Section 18(1) register (Lampiran A)<\/span>\n   <span class=\"reg\">Section 19(4) receipts<\/span>\n   <span class=\"reg\">Borang J agreement<\/span>\n   <span class=\"reg\">Annual return (Lampiran B and B1)<\/span>\n   <span class=\"reg\">Perakuan<\/span>\n   <span class=\"reg\">Aduan dengan jam respons<\/span>\n   <span class=\"reg\">Semakan identiti<\/span>\n   <span class=\"reg\">Duti setem dikira untuk anda<\/span>\n  <\/div>\n  <p class=\"note\" style=\"text-align:center;margin-top:22px\">APES menyokong proses pematuhan anda. Ia tidak menggantikan lesen anda, penasihat undang-undang anda atau pertimbangan anda sendiri.<\/p>\n <\/div>\n<\/section>\n\n<!-- OUTCOMES -->\n<section class=\"tint\">\n <div class=\"w\">\n  <div class=\"head\">\n   <span class=\"eyebrow\">Apa maknanya untuk perniagaan<\/span>\n   <h2 class=\"h2\">Kurang masa untuk kerja dokumen. <span class=\"grad\">Lebih kawalan ke atas wang anda.<\/span><\/h2>\n  <\/div>\n  <div class=\"grid3\">\n   <div class=\"out\"><span class=\"k\">Lindungi Lesen Anda<\/span><h3>Sedia apabila KPKT meminta<\/h3><p>Daftar, resit, perjanjian dan aduan datang daripada kerja harian, jadi pemeriksaan hanyalah satu laporan, bukan satu projek.<\/p><\/div>\n   <div class=\"out\"><span class=\"k\">Perbaiki Aliran Tunai<\/span><h3>Jejaki pinjaman tertunggak lebih awal<\/h3><p>Ansuran bertukar menjadi tertunggak sehari selepas tarikh matang, peringatan dihantar, dan setiap pinjaman tertunggak mendapat kes kutipan dengan pemilik.<\/p><\/div>\n   <div class=\"out\"><span class=\"k\">Kawal Kos<\/span><h3>Berhenti membina semula daftar<\/h3><p>Tidak perlu lagi menyalin pinjaman ke dalam Lampiran A atau menyusun penyata tahunan secara manual. Pasukan anda menumpukan perhatian pada pinjaman, bukan kerja dokumen.<\/p><\/div>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- START SMALL -->\n<section>\n <div class=\"w\">\n  <div class=\"start\">\n   <div>\n    <span class=\"eyebrow\">Mulakan dari kecil<\/span>\n    <h2 style=\"margin-top:16px\">Bawakan kepada kami daftar yang paling membimbangkan anda.<\/h2>\n    <p style=\"margin-top:14px\">Anda tidak perlu memindahkan setiap pinjaman pada hari pertama. Banyak syarikat pemberi pinjam wang bermula dengan perkara yang menyebabkan mereka tidak dapat tidur malam: resit, aduan atau daftar utama. Selebihnya menyusul apabila keyakinan anda bertambah.<\/p>\n    <p style=\"margin-top:24px\"><a class=\"btn\" href=\"https:\/\/appnicorn.com\/ms\/contact\/\" data-cta=\"lend-start\">Hubungi Kami<\/a><\/p>\n   <\/div>\n   <ol>\n    <li><i>1<\/i><div><b style=\"color:var(--ink)\">Satu panggilan 30 minit.<\/b> Beritahu kami cara anda menguruskan pinjaman pada hari ini dan apa yang membimbangkan anda.<\/div><\/li>\n    <li><i>2<\/i><div><b style=\"color:var(--ink)\">Demo menggunakan produk pinjaman anda.<\/b> Lihat satu perjalanan pinjaman penuh dengan kadar dan fi anda, dari permohonan hingga resit.<\/div><\/li>\n    <li><i>3<\/i><div><b style=\"color:var(--ink)\">Disediakan bersama.<\/b> Pasukan kami mengkonfigurasi ruang kerja anda dan membantu kakitangan anda bermula.<\/div><\/li>\n   <\/ol>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- FAQ -->\n<section class=\"tint\">\n <div class=\"w\">\n  <div class=\"head\"><span class=\"eyebrow\">Soalan lazim<\/span><h2 class=\"h2\">Soalan yang sering ditanya oleh syarikat pemberi pinjam wang<\/h2><\/div>\n  <div class=\"faq\">\n   <details><summary>Adakah ini hanya untuk syarikat pemberi pinjam wang berlesen KPKT?<\/summary><p>Daftar dan borang berkanun dibina untuk syarikat pemberi pinjam wang di Malaysia di bawah Akta Pemberi Pinjam Wang 1951. Jika anda memberi pinjaman di bawah rejim lain, bahagian buku pinjaman masih boleh memodelkan produk anda. Berbincanglah dengan kami tentang keadaan anda.<\/p><\/details>\n   <details><summary>Adakah aplikasi peminjam disertakan?<\/summary><p>Aplikasi peminjam ialah tambahan. Peminjam boleh menyemak pinjaman dengan kalkulator, memohon, menerima tawaran, membuat perakuan, menandatangani dan mengikuti bayaran balik mereka, dalam Bahasa Malaysia atau Inggeris. Anda yang memilih langkah yang perlu mereka lalui.<\/p><\/details>\n   <details><summary>Bolehkah ia berfungsi dengan tandatangan elektronik, eKYC, laporan kredit dan pembayaran dalam talian?<\/summary><p>APES dibina untuk disambungkan kepada penyedia ini, menggunakan akaun anda sendiri dengan mereka. Kami akan meneliti penyedia yang anda gunakan dan menyediakannya bersama anda.<\/p><\/details>\n   <details><summary>Bolehkah kami memberi pinjaman kepada syarikat?<\/summary><p>Belum lagi. Modul ini dibina untuk peminjam individu pada masa ini. Pinjaman kepada syarikat masih berada di luar sistem buat masa ini.<\/p><\/details>\n   <details><summary>Berapa banyak pinjaman yang boleh dikendalikannya?<\/summary><p>Penyata tahunan disediakan untuk buku sehingga 10,000 pinjaman. Jika buku anda lebih besar, marilah berbincang.<\/p><\/details>\n   <details><summary>Adakah kami perlu menggantikan perisian perakaunan kami?<\/summary><p>Tidak. Kekalkan perisian perakaunan dan HR anda. APES menjalankan buku pinjaman dan daftar KPKT anda, dan jika anda memerlukan modul lain, seperti kutipan, aduan atau kawalan dokumen, kami membinanya berdasarkan cara pasukan anda bekerja, dalam ruang kerja yang sama.<\/p><\/details>\n   <details><summary>Adakah kami memerlukan pasukan IT sendiri?<\/summary><p>Tidak. Appnicorn menyediakan ruang kerja anda dan menyokong pasukan anda. Anda yang menjalankannya setiap hari.<\/p><\/details>\n   <details><summary>Berapakah kosnya?<\/summary><p>Ia bergantung pada keperluan anda: modul teras, aplikasi peminjam dan sambungan yang anda mahu. Beritahu kami tentang buku pinjaman anda dan kami akan memberikan cadangan yang jelas.<\/p><\/details>\n  <\/div>\n <\/div>\n<\/section>\n\n<!-- FINAL CTA -->\n<section class=\"final\">\n <div class=\"w\">\n  <h2>Uruskan pinjaman anda. Biarkan daftar menguruskan dirinya sendiri.<\/h2>\n  <p>Lihat satu perjalanan pinjaman penuh di APES, dari permohonan hingga resit dan penyata tahunan, dalam satu demo.<\/p>\n  <a class=\"btn\" href=\"https:\/\/appnicorn.com\/ms\/contact\/\" data-cta=\"lend-final\">Hubungi Kami<\/a>\n  <p class=\"small\">Built by Appnicorn. Appnicorn does not offer loans; this page is for licensed moneylenders looking for software.<\/p>\n <\/div>\n<\/section>\n\n<script type=\"application\/ld+json\">{\n    \"@context\": \"https:\\\/\\\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Is this only for KPKT-licensed moneylenders?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The statutory registers and forms are built for Malaysian moneylenders under the Moneylenders Act 1951. If you lend under another regime, the loan book side can still model your products.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Does the borrower app come with it?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The borrower app is an add-on. Borrowers can check a loan with the calculator, apply, accept the offer, attest, sign and follow their repayments, in Bahasa Malaysia or English.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Can it work with e-signing, eKYC, credit reports and online payments?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"APES is built to connect to these providers, using your own accounts with them. We go through which providers you use and set them up with you.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Can we lend to companies?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Not yet. The module is built for individual borrowers today.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"How many loans can it handle?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The annual return is prepared for books of up to 10,000 loans.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Do we have to replace our accounting software?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"No. Keep your accounting and HR software. APES runs your loan book and KPKT registers, and we can build other modules you need in the same workspace.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Do we need our own IT team?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"No. Appnicorn sets up your workspace and supports your team.\"\n            }\n        }\n    ]\n}<\/script>\n<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Appnicorn is a software company. We don&#8217;t lend money or arrange loans. APES is software for KPKT-licensed moneylenders to run their own lending business. For KPKT-licensed moneylenders Your loan book and your KPKT registers, in one place. Every loan, receipt and register comes from the same records. You stop rebuilding registers before an inspection, and&hellip;&nbsp;<a href=\"https:\/\/appnicorn.com\/ms\/apes\/loan-lending-module\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Sistem Pinjaman KPKT<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":342,"parent":19268,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-pagebuilder-full-width.php","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","neve_meta_reading_time":"","_ti_tpc_template_sync":false,"_ti_tpc_template_id":"","footnotes":""},"class_list":["post-22523","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v20.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Moneylender Software Malaysia | KPKT Loan System | APES<\/title>\n<meta name=\"description\" content=\"Run your loan book, KPKT registers and annual return in one place. Rate ceilings checked on every loan, a receipt for every repayment, and a borrower app.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/appnicorn.com\/ms\/apes\/loan-lending-module\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Moneylender Software Malaysia | KPKT Loan System | APES\" \/>\n<meta property=\"og:description\" content=\"Run your loan book, KPKT registers and annual return in one place. 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