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Financial Assistance

1. INTRODUCTION

Financing studies is a very important aspect of every student’s plan. Some students need financial assistance to complete their courses at the university. As such, Universiti Tun Abdul Razak (UNIRAZAK) has set up a special unit to assist students in their application for financial assistance especially from the National Higher Education Fund Organisation (PTPTN) and other organisations or foundations, which provide scholarships and study-loans.

Though UNIRAZAK is a private institution and profit oriented entity, it also gives out scholarships from a special fund. Other financial aids are for cases of emergency or death. The UNIRAZAK also gives out special short-term loans or grants on a case-to-case basis and on humanitarian grounds with consideration purely on merit.

2. PTPTN LOAN (NATIONAL HIGHER EDUCATION FUND BOARD / PERBADANAN TABUNG PENDIDIKAN TINGGI NASIONAL)

PTPTN is a special fund established under the auspices of the Ministry of Education with the objective of offering educational loans to all eligible Malaysian students pursuing their tertiary studies at selected institutions of higher learning in the country.

UNIRAZAK has been included in the list and the facility is meant for both the Bumiputera and non-Bumiputera students studying at the UNIRAZAK.

Hence, all undergraduate students of UNIRAZAK are eligible to apply for the facility and to date, more than ninety-five per cent of the applicants have been successful in their applications. Although there is a small fee charged on the principal amount, the loan is repayable over twenty years upon graduation and employment of the UNIRAZAK.

Some of the Frequently Asked Questions (FAQ) on the PTPTN loan are as follows:

2.1 What is PTPTN loan?

A PTPTN loan is an education loan awarded by the Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) which is a special body established under the auspicious of the Ministry of Education with the objectives of offering educational loans to all eligible Malaysian students pursuing their tertiary studies at selected institutions of higher learning in the country. UNIRAZAK has been included in the list and the facility is meant for both Bumiputera and non-Bumiputera students studying at the UNIRAZAK.

2.2 What is the amount of PTPTN loan you are eligible for?

The amount of loan that an undergraduate at UNIRAZAK is eligible for depends on the field of study. A student enrolled in Bachelor is eligible to receive an amount ranging from RM4,200 to RM16,000 per year depend on the programme. Those who are enrolled in Foundation programmes may receive an amount ranging from RM3,500 to RM7,000 per year depend on the programme.

2.3 How do you apply for PTPTN?

All application must be submitted through online application. Students are adviced to understand the rules and guidelines on how to fill up online application form from the officer incharge on the registration day or at UNIRAZAK’s office.

Effective from 1 st January 2012, students who wish to apply for PTPTN loan are COMPULSORY to have SSPN account with minimum savings of RM20.00.

2.4 What are the conditions you must fulfil to obtain the PTPTN loan?

To obtain the PTPTN loan, the person applying should have the entry requirements which are accredited by the Private Higher Education Department (JPS) to undergo the relevant programme. A pass in SPM with a minimum of 3 credits in any subject and enrolment in an undergraduate programme which have been accredited by Malaysian Qualifications Agency (MQA) and JPS are needed. Importantly the person applying should not be a holder of any other loan or scholarship.

2.5 Which department is responsible to assist you in applying for the PTPTN loan?

The Finance and Accounts Department in UNIRAZAK is responsible to assist you in applying for the PTPTN loan.

2.6 Is UNIRAZAK responsible if you are not able to secure the PTPTN loan?

If students are not successful in securing the PTPTN loan, the Finance and Accounts Department of UNIRAZAK will assist and look into the causes of the eventuality. As a rule of thumb, PTPTN has the final say as to whether to approve, reject, terminate or cancel the application or the loan offer, hence the UNIRAZAK shall not be responsible if students application is rejected, for whatsoever reason given by PTPTN.

2.7 What are the conditions stipulated by PTPTN for students to fullfil, before PTPTN releases the approved loan for a particular semester?

a) Students must have registered for courses for the semester, and
b) Students must have achieved a GPA of at least 2.00 for the previous normal semester.

2.8 How many times PTPTN releases the approved loan in a year?

PTPTN releases the approved loan twice in a year in the normal semester.

It is a Shariah-compliant scheme designed specially for qualified individuals to obtain financial asisstance for their education plan. Based on the concept of Ijarah, the financing will cover their education programme for a truly seamless study experience.

For more information, please visit our website AFFIN Education Financing-i.

Pinjaman Pelajaran ini merupakan pembiayaan pendidikan tinggi dalam bentuk pinjaman tanpa faedah.

Ia merupakan program pembiayaan pendidikan oleh Kerajaan Negeri Selangor melalui Tabung Kumpulan Wang Biasiswa Negeri Selangor (TKWBNS) yang diuruskan oleh Cawangan Biasiswa dan Pinjaman Pelajaran, Bahagian Pengurusan Sumber Manusia, Pentadbiran Setiausaha Kerajaan Negeri Selangor.

Untuk maklumat lanjut, sila layari laman web Tabung Kumpulan Wang Biasiswa Negeri Selangor.

PENGENALAN

PPBU ditawarkan bagi peringkat pengajian peringkat PHD, Sarjana, Profesional, Sarjana Muda, Diploma dan Sijil Kemahiran kepada pelajar yang layak yang sedang menuntut dalam tahun pertama. Tujuan adalah membantu pelajar-pelajar melanjutkan pengajian ke Institusi Pengajian Tinggi Awam / Swasta (IPTA / IPTS) dan Institusi Latihan Awam / Swasta (ILA / ILS) di dalam negara secara sepenuh masa. PPBU ditawarkan kepada pemohon yang mendapat tempat dan sedang mengikut pengajian di tahun pertama di IPTA / IPTS di dalam negara yang diiktiraf oleh kementerian yang berkaitan dengan pengajian tinggi, Jabatan Pendidikan Swasta dan Agensi Kelayakan Malaysia (MQA) dan juga ILA / ILS.

MAKLUMAT PINJAMAN

Sila layari laman web Yayasan Bank Bakyat di Yayasan Bank Rakyat.

INTRODUCTION

The Education Sponsorship Division (BPP) plays an important role in the development of human capital which includes entrepreneurs who can generate wealth, creating a competent work force and excellent Bumiputera students. To achieve this target, BPP provides education loan facilities at various levels of studies to meet the employment sector. Main focus is given to the areas of studies, encompassing those with high income revenue and to concentrate on 12 National Key Economic Areas (NKEA), ie; Oil, Gas & Energy, Palm Oil, Financial Services, Tourism Electrical & Electronics, Wholesale and Retails, Healthcare, Communications & Infrastructure, Agriculture and Greater Kuala Lumpur.

The focus of BPP is to create more graduates with Ph.D qualifications and professionals moving towards a high income nation with first class mind in order to achieve talented human capital development based on the nation’s needs.

To ensure the welfare of MARA sponsored students overseas, BPP has 8 MARA Offices in the United States of Amerika, England, Germany, Ireland, Australia, Indonesia, Egypt and Russia.

SPiP Open Loan

  • This loan is given especially to Bumiputera students who are eligible to further their studies at MARA Education Institutes (IPMa) and Private Education Institutes (IPTS) in the country.
  • Applications must be made on the online eEduloan system obtained from http://eduloan.mara.gov.my
  • Eligible students will be offered loans which include tuition fees, subsistence allowance, book allowance, equipment allowance, project paper allowance and thesis allowance.

Post Graduate Programme Locally and Abroad

  • Applications are open to graduates with a Bachelor Degree to further their studiens at Masters, professional and docorate levels either locally or abroad.
  • The student must get an offer letter from the university / education institutes which are recognized by the government / MQA and prominent university abroad.
  • Sponsorship or financing for studies by Coursework and by Research

TERMS OF SPONSORSHIP

  • The MARA Education Loan Scheme is only open to Bumiputera and Malaysian citizens only;
  • Do not receive any financing / sponsorship from other agencies for the same studies/level of studies;
  • Had never been terminated of financial assistance by any sponsors previously due to disciplinary action;
  • Free of any contract or were given leave of service contract (if any) for the duration of study period;
  • Active in co-curriculum while in college / university;
  • Acknowledged as being healthy by a Government Medical Office or any panel of doctors appointed by MARA Council to further studies overseas; do not have any criminal records;
  • Meets academic qualifications set by MARA;
  • Age limits during application are as follows:
LEVELLOCAL INSTITUTIONOVERSEAS INSTITUTION
Diploma< 35 yearsNo sponsorship
Bachelor's Degree< 40 years30 years
Master Degree< 45 years35 years
PhD< 45 years40 years

TABUNG PENDIDIKAN AMAN JAYA

PENGENALAN

Kerajaan Negeri Perak Darul Ridzuan semasa pebentangan Bajet 2010 di Dewan Undangan Negeri Perak pada 28/10/2009 telah mewujudkan Tabung Simpanan Pendidikan Negeri Perak (kini dikenali sebagai Tabung Pendidikan Aman Jaya). Ucapan pebentangan bajet 2010 Y.A.B. Menteri Besar Perak adalah seperti berikut:- “Kerajaan Negeri Perak juga akan mewujudkan Tabung Simpanan Pendidikan Negeri di mana peruntukan RM200 disediakan untuk kelahiran anak Perak. Inisiatif ini merupakan simpanan pendidikan mereka untuk masa hadapan. Bagi tujuan ini peruntukan sebanyak RM2,000,000 disediakan pada tahun 2010 dan akan disalurkan melalui Yayasan Perak”.

LATAR BELAKANG

Peruntukan tersebut adalah sebanyak RM200.00 seorang yang telah disediakan bagi setiap kelahiran anak Perak bermula pada tahun 2010. Peruntukan ini akan disalurkan melalui Yayasan Perak. Peruntukan ini bermaksud bahawa sebanyak RM200.00 disediakan bagi setiap kelahiran anak Perak tidak mengira bangsa dan agama.
Bagi maksud Anak Perak, pengertian seperti yang diperuntukan dalam Akta Tubuh Kerajaan Negeri Perak Darul Ridzuan iaitu:-
“Pemohon lahir di Negeri Perak. Ibu atau Bapa hendaklah lahir di Negeri Perak atau telah bermastautin dengan tinggal di Negeri Perak secara berterusan untuk tempoh 10 tahun atau lebih”.

Untuk maklumat lanjut, sila layari laman web Tabung Pendidikan Aman Jaya.

DERMASISWA PENDIDIKAN YAYASAN PERAK

PENGENALAN

Dermasiswa Pendidikan Yayasan Perak bertujuan membantu pelajar untuk membuat persediaan pendaftaran kemasukan di semester dan tahun pertama di Politeknik, Kolej Komuniti, IPTA dan IPTS terpilih dalam negara sahaja. Dermasiswa ini diberikan kepada pelajar yang mengikuti pengajian di peringkat Sijil, Diploma dan Ijazah Sarjana Muda sahaja. Keutamaan diberikan kepada keluarga yang berpendapatan rendah di bawah RM3,000 sahaja. Kadar dermasiswa adalah RM300 (Sijil/Matrikulasi), RM500 (Diploma), RM1,000 (Ijazah Sarjana Muda) dan RM1,200 (Ijazah Sarjana Muda Profesional).

Untuk maklumat lanjut, sila layari laman web Dermasiswa Pendidikan Yayasan Perak.

PENGENALAN

Pengeluaran ini membolehkan ahli mengeluarkan simpanan Akaun 2 untuk membiayai yuran pengajian ahli / anak ahli(termasuk anak tiri dan anak angkat) di Institut Pengajian Tinggi (IPT) di dalam atau di luar negara.

Untuk maklumat lanjut, sila layari laman web Kumpulan Wang Simpanan Pekerja.

Other financial aids available from UNIRAZAK

BANK NEGARA MALAYSIA
EMBASSY OF LIBYA
FELDA
IBA SHUKKUR-PAKISTAN
JABATAN PERKHIDMATAN AWAM MALAYSIA ( JPA )
KDU SCHOLARSHIP
LIBYAN ARAB JAMAHIRIYA
MYBRAIN15
MYPHD
PERBADANAN INSURANS DEPOSIT MALAYSIA ( PIDM )
PERBADANAN NASIONAL BERHAD
PERMODALAN NASIONAL BERHAD ( PNB )
SKALI
UNIRAZAK ALUMNI SCHEME
UNIVERSAL FOUNDATION
YAYASAN SIME DARBY ( YSD )
PERKESO
ZAKAT SELANGOR
ZAKAT SABAH
BANK OF MALDIVES

To know more about the other financial aid opportunities, please consult:

Tel. : +603-2730 7253
Fax :+603 – 2730 7223
E-mail :syazwani@unirazak.edu.my

Financial Assistance

1. INTRODUCTION

Financing studies is a very important aspect of every student’s plan. Some students need financial assistance to complete their courses at the university. As such, Universiti Tun Abdul Razak (UNIRAZAK) has set up a special unit to assist students in their application for financial assistance especially from the National Higher Education Fund Organisation (PTPTN) and other organisations or foundations, which provide scholarships and study-loans.

Though UNIRAZAK is a private institution and profit oriented entity, it also gives out scholarships from a special fund. Other financial aids are for cases of emergency or death. The UNIRAZAK also gives out special short-term loans or grants on a case-to-case basis and on humanitarian grounds with consideration purely on merit.

2. PTPTN LOAN (NATIONAL HIGHER EDUCATION FUND BOARD / PERBADANAN TABUNG PENDIDIKAN TINGGI NASIONAL)

PTPTN is a special fund established under the auspices of the Ministry of Education with the objective of offering educational loans to all eligible Malaysian students pursuing their tertiary studies at selected institutions of higher learning in the country.

UNIRAZAK has been included in the list and the facility is meant for both the Bumiputera and non-Bumiputera students studying at the UNIRAZAK.

Hence, all undergraduate students of UNIRAZAK are eligible to apply for the facility and to date, more than ninety-five per cent of the applicants have been successful in their applications. Although there is a small fee charged on the principal amount, the loan is repayable over twenty years upon graduation and employment of the UNIRAZAK.

Some of the Frequently Asked Questions (FAQ) on the PTPTN loan are as follows:

2.1 What is PTPTN loan?

A PTPTN loan is an education loan awarded by the Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) which is a special body established under the auspicious of the Ministry of Education with the objectives of offering educational loans to all eligible Malaysian students pursuing their tertiary studies at selected institutions of higher learning in the country. UNIRAZAK has been included in the list and the facility is meant for both Bumiputera and non-Bumiputera students studying at the UNIRAZAK.

2.2 What is the amount of PTPTN loan you are eligible for?

The amount of loan that an undergraduate at UNIRAZAK is eligible for depends on the field of study. A student enrolled in Bachelor is eligible to receive an amount ranging from RM4,200 to RM16,000 per year depend on the programme. Those who are enrolled in Foundation programmes may receive an amount ranging from RM3,500 to RM7,000 per year depend on the programme.

2.3 How do you apply for PTPTN?

All application must be submitted through online application. Students are adviced to understand the rules and guidelines on how to fill up online application form from the officer incharge on the registration day or at UNIRAZAK’s office.

Effective from 1 st January 2012, students who wish to apply for PTPTN loan are COMPULSORY to have SSPN account with minimum savings of RM20.00.

2.4 What are the conditions you must fulfil to obtain the PTPTN loan?

To obtain the PTPTN loan, the person applying should have the entry requirements which are accredited by the Private Higher Education Department (JPS) to undergo the relevant programme. A pass in SPM with a minimum of 3 credits in any subject and enrolment in an undergraduate programme which have been accredited by Malaysian Qualifications Agency (MQA) and JPS are needed. Importantly the person applying should not be a holder of any other loan or scholarship.

2.5 Which department is responsible to assist you in applying for the PTPTN loan?

The Finance and Accounts Department in UNIRAZAK is responsible to assist you in applying for the PTPTN loan.

2.6 Is UNIRAZAK responsible if you are not able to secure the PTPTN loan?

If students are not successful in securing the PTPTN loan, the Finance and Accounts Department of UNIRAZAK will assist and look into the causes of the eventuality. As a rule of thumb, PTPTN has the final say as to whether to approve, reject, terminate or cancel the application or the loan offer, hence the UNIRAZAK shall not be responsible if students application is rejected, for whatsoever reason given by PTPTN.

2.7 What are the conditions stipulated by PTPTN for students to fullfil, before PTPTN releases the approved loan for a particular semester?

a) Students must have registered for courses for the semester, and
b) Students must have achieved a GPA of at least 2.00 for the previous normal semester.

2.8 How many times PTPTN releases the approved loan in a year?

PTPTN releases the approved loan twice in a year in the normal semester.

It is a Shariah-compliant scheme designed specially for qualified individuals to obtain financial asisstance for their education plan. Based on the concept of Ijarah, the financing will cover their education programme for a truly seamless study experience.

For more information, please visit our website AFFIN Education Financing-i.

Pinjaman Pelajaran ini merupakan pembiayaan pendidikan tinggi dalam bentuk pinjaman tanpa faedah.

Ia merupakan program pembiayaan pendidikan oleh Kerajaan Negeri Selangor melalui Tabung Kumpulan Wang Biasiswa Negeri Selangor (TKWBNS) yang diuruskan oleh Cawangan Biasiswa dan Pinjaman Pelajaran, Bahagian Pengurusan Sumber Manusia, Pentadbiran Setiausaha Kerajaan Negeri Selangor.

Untuk maklumat lanjut, sila layari laman web Tabung Kumpulan Wang Biasiswa Negeri Selangor.

PENGENALAN

PPBU ditawarkan bagi peringkat pengajian peringkat PHD, Sarjana, Profesional, Sarjana Muda, Diploma dan Sijil Kemahiran kepada pelajar yang layak yang sedang menuntut dalam tahun pertama. Tujuan adalah membantu pelajar-pelajar melanjutkan pengajian ke Institusi Pengajian Tinggi Awam / Swasta (IPTA / IPTS) dan Institusi Latihan Awam / Swasta (ILA / ILS) di dalam negara secara sepenuh masa. PPBU ditawarkan kepada pemohon yang mendapat tempat dan sedang mengikut pengajian di tahun pertama di IPTA / IPTS di dalam negara yang diiktiraf oleh kementerian yang berkaitan dengan pengajian tinggi, Jabatan Pendidikan Swasta dan Agensi Kelayakan Malaysia (MQA) dan juga ILA / ILS.

MAKLUMAT PINJAMAN

Sila layari laman web Yayasan Bank Bakyat di Yayasan Bank Rakyat.

INTRODUCTION

The Education Sponsorship Division (BPP) plays an important role in the development of human capital which includes entrepreneurs who can generate wealth, creating a competent work force and excellent Bumiputera students. To achieve this target, BPP provides education loan facilities at various levels of studies to meet the employment sector. Main focus is given to the areas of studies, encompassing those with high income revenue and to concentrate on 12 National Key Economic Areas (NKEA), ie; Oil, Gas & Energy, Palm Oil, Financial Services, Tourism Electrical & Electronics, Wholesale and Retails, Healthcare, Communications & Infrastructure, Agriculture and Greater Kuala Lumpur.

The focus of BPP is to create more graduates with Ph.D qualifications and professionals moving towards a high income nation with first class mind in order to achieve talented human capital development based on the nation’s needs.

To ensure the welfare of MARA sponsored students overseas, BPP has 8 MARA Offices in the United States of Amerika, England, Germany, Ireland, Australia, Indonesia, Egypt and Russia.

SPiP Open Loan

  • This loan is given especially to Bumiputera students who are eligible to further their studies at MARA Education Institutes (IPMa) and Private Education Institutes (IPTS) in the country.
  • Applications must be made on the online eEduloan system obtained from http://eduloan.mara.gov.my
  • Eligible students will be offered loans which include tuition fees, subsistence allowance, book allowance, equipment allowance, project paper allowance and thesis allowance.

Post Graduate Programme Locally and Abroad

  • Applications are open to graduates with a Bachelor Degree to further their studiens at Masters, professional and docorate levels either locally or abroad.
  • The student must get an offer letter from the university / education institutes which are recognized by the government / MQA and prominent university abroad.
  • Sponsorship or financing for studies by Coursework and by Research

TERMS OF SPONSORSHIP

  • The MARA Education Loan Scheme is only open to Bumiputera and Malaysian citizens only;
  • Do not receive any financing / sponsorship from other agencies for the same studies/level of studies;
  • Had never been terminated of financial assistance by any sponsors previously due to disciplinary action;
  • Free of any contract or were given leave of service contract (if any) for the duration of study period;
  • Active in co-curriculum while in college / university;
  • Acknowledged as being healthy by a Government Medical Office or any panel of doctors appointed by MARA Council to further studies overseas; do not have any criminal records;
  • Meets academic qualifications set by MARA;
  • Age limits during application are as follows:
LEVELLOCAL INSTITUTIONOVERSEAS INSTITUTION
Diploma< 35 yearsNo sponsorship
Bachelor's Degree< 40 years30 years
Master Degree< 45 years35 years
PhD< 45 years40 years

TABUNG PENDIDIKAN AMAN JAYA

PENGENALAN

Kerajaan Negeri Perak Darul Ridzuan semasa pebentangan Bajet 2010 di Dewan Undangan Negeri Perak pada 28/10/2009 telah mewujudkan Tabung Simpanan Pendidikan Negeri Perak (kini dikenali sebagai Tabung Pendidikan Aman Jaya). Ucapan pebentangan bajet 2010 Y.A.B. Menteri Besar Perak adalah seperti berikut:- “Kerajaan Negeri Perak juga akan mewujudkan Tabung Simpanan Pendidikan Negeri di mana peruntukan RM200 disediakan untuk kelahiran anak Perak. Inisiatif ini merupakan simpanan pendidikan mereka untuk masa hadapan. Bagi tujuan ini peruntukan sebanyak RM2,000,000 disediakan pada tahun 2010 dan akan disalurkan melalui Yayasan Perak”.

LATAR BELAKANG

Peruntukan tersebut adalah sebanyak RM200.00 seorang yang telah disediakan bagi setiap kelahiran anak Perak bermula pada tahun 2010. Peruntukan ini akan disalurkan melalui Yayasan Perak. Peruntukan ini bermaksud bahawa sebanyak RM200.00 disediakan bagi setiap kelahiran anak Perak tidak mengira bangsa dan agama.
Bagi maksud Anak Perak, pengertian seperti yang diperuntukan dalam Akta Tubuh Kerajaan Negeri Perak Darul Ridzuan iaitu:-
“Pemohon lahir di Negeri Perak. Ibu atau Bapa hendaklah lahir di Negeri Perak atau telah bermastautin dengan tinggal di Negeri Perak secara berterusan untuk tempoh 10 tahun atau lebih”.

Untuk maklumat lanjut, sila layari laman web Tabung Pendidikan Aman Jaya.

DERMASISWA PENDIDIKAN YAYASAN PERAK

PENGENALAN

Dermasiswa Pendidikan Yayasan Perak bertujuan membantu pelajar untuk membuat persediaan pendaftaran kemasukan di semester dan tahun pertama di Politeknik, Kolej Komuniti, IPTA dan IPTS terpilih dalam negara sahaja. Dermasiswa ini diberikan kepada pelajar yang mengikuti pengajian di peringkat Sijil, Diploma dan Ijazah Sarjana Muda sahaja. Keutamaan diberikan kepada keluarga yang berpendapatan rendah di bawah RM3,000 sahaja. Kadar dermasiswa adalah RM300 (Sijil/Matrikulasi), RM500 (Diploma), RM1,000 (Ijazah Sarjana Muda) dan RM1,200 (Ijazah Sarjana Muda Profesional).

Untuk maklumat lanjut, sila layari laman web Dermasiswa Pendidikan Yayasan Perak.

PENGENALAN

Pengeluaran ini membolehkan ahli mengeluarkan simpanan Akaun 2 untuk membiayai yuran pengajian ahli / anak ahli(termasuk anak tiri dan anak angkat) di Institut Pengajian Tinggi (IPT) di dalam atau di luar negara.

Untuk maklumat lanjut, sila layari laman web Kumpulan Wang Simpanan Pekerja.

Other financial aids available from UNIRAZAK

BANK NEGARA MALAYSIA
EMBASSY OF LIBYA
FELDA
IBA SHUKKUR-PAKISTAN
JABATAN PERKHIDMATAN AWAM MALAYSIA ( JPA )
KDU SCHOLARSHIP
LIBYAN ARAB JAMAHIRIYA
MYBRAIN15
MYPHD
PERBADANAN INSURANS DEPOSIT MALAYSIA ( PIDM )
PERBADANAN NASIONAL BERHAD
PERMODALAN NASIONAL BERHAD ( PNB )
SKALI
UNIRAZAK ALUMNI SCHEME
UNIVERSAL FOUNDATION
YAYASAN SIME DARBY ( YSD )
PERKESO
ZAKAT SELANGOR
ZAKAT SABAH
BANK OF MALDIVES

To know more about the other financial aid opportunities, please consult:

Tel. : +603-2730 7253
Fax :+603 – 2730 7223
E-mail :syazwani@unirazak.edu.my

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